# EDGAR Filing Document

**Accession Number:** 0001935056
**File Stem:** 0001387131-23-003269
**Filing Date:** 2023-3
**Character Count:** 1598992
**Document Hash:** 3a96182bab34a317c62ee5685b6eb600
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001387131-23-003269.hdr.sgml**: 20230310

**ACCESSION NUMBER**: 0001387131-23-003269

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

**PUBLIC DOCUMENT COUNT**: 34

**CONFORMED PERIOD OF REPORT**: 20230310

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

**FILED AS OF DATE**: 20230310

**DATE AS OF CHANGE**: 20230310

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Depositor III, LLC
- **CENTRAL INDEX KEY:** 0001935056
- **IRS NUMBER:** 882596780
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06195
- **FILM NUMBER:** 23722804

**BUSINESS ADDRESS:**
- **STREET 1:** 2711 NORTH HASKELL AVENUE
- **STREET 2:** SUITE 1700
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75204
- **BUSINESS PHONE:** 214-754-8300

**MAIL ADDRESS:**
- **STREET 1:** 2711 NORTH HASKELL AVENUE
- **STREET 2:** SUITE 1700
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75204
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Depositor III, LLC
- **CENTRAL INDEX KEY:** 0001935056
- **IRS NUMBER:** 882596780
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 2711 NORTH HASKELL AVENUE
- **STREET 2:** SUITE 1700
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75204
- **BUSINESS PHONE:** 214-754-8300

**MAIL ADDRESS:**
- **STREET 1:** 2711 NORTH HASKELL AVENUE
- **STREET 2:** SUITE 1700
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75204
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Depositor III, LLC
- **CENTRAL INDEX KEY:** 0001935056
- **IRS NUMBER:** 882596780
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 2711 NORTH HASKELL AVENUE
- **STREET 2:** SUITE 1700
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75204
- **BUSINESS PHONE:** 214-754-8300

**MAIL ADDRESS:**
- **STREET 1:** 2711 NORTH HASKELL AVENUE
- **STREET 2:** SUITE 1700
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75204

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

**<u>COLT DEPOSITOR III, LLC</u>**

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

---

| | |
|:---|:---|
| ☐ | Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________ |
|  | Date of Report (Date of earliest event reported) __________________ |
|  | Commission File Number of securitizer: __________________ |
|  | Central Index Key Number of securitizer:__________________ |

---

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

---

| | |
|:---|:---|
|  | Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐ |
| &nbsp;&nbsp;☒ | Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2) |
|  | Central Index Key Number of depositor: 0001935056 |
|  | <u><u>COLT 2023-1</u></u> |
|  | (Exact name of issuing entity as specified in its charter) |
|  | Central Index Key Number of issuing entity (if applicable):<u> </u> |
|  | Central Index Key Number of underwriter (if applicable): ________________ |

---

Donna Yi (212) 849-9658

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

---

| | |
|:---|:---|
| **Item 1.01** | **Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure** |

---

Not Applicable

---

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

---

Not Applicable

---

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

---

Not Applicable

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

**REPORTS**

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

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

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

Not Applicable

**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.

---

| | |
|:---|:---|
| **COLT DEPOSITOR III, LLC** | **COLT DEPOSITOR III, LLC** |
| By: | /s/ Donna Yi |
| Name: <br> Title: | Donna Yi <br>Vice President |

---

Date: March 10, 2023

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | Canopy Financial Technology Partners LLC ("Canopy") Narrative |
| [99.2](ex99-2.htm) | Canopy Rating Agency Grades Summary Report |
| [99.3](ex99-3.htm) | Canopy Rating Agency Grades Detail Report |
| [99.4](ex99-4.htm) | Canopy Valuation Report |
| [99.5](ex99-5.htm) | Canopy Data Compare Report |
| [99.6](ex99-6.htm) | Consolidated Analytics, Inc ("Consolidated") Narrative |
| [99.7](ex99-7.htm) | Consolidated Due Diligence Standard |
| [99.8](ex99-8.htm) | Consolidated Grading Summary Report |
| [99.9](ex99-9.htm) | Consolidated Valuations Summary Report |
| [99.10](ex99-10.htm) | Consolidated Data Compare Report |
| [99.11](ex99-11.htm) | Covius Real Estate Services, LLC ("CRES") Executive Summary |
| [99.12](ex99-12.htm) | CRES Exceptions Report |
| [99.13](ex99-13.htm) | CRES Grades Report |
| [99.14](ex99-14.htm) | CRES Tape Compare Report |
| [99.15](ex99-15.htm) | CRES Valuation Report |
| [99.16](ex99-16.htm) | Evolve Mortgage Services ("Evolve") Executive Summary |
| [99.17](ex99-17.htm) | Evolve Rating Agency Grades |
| [99.18](ex99-18.htm) | Evolve Exception Detail |
| [99.19](ex99-19.htm) | Evolve Valuation Report |
| [99.20](ex99-20.htm) | Evolve Data Compare |
| [99.21](ex99-21.htm) | Selene Diligence LLC ("Selene") Narrative |
| [99.22](ex99-22.htm) | Selene Rating Agency Grades Summary Report |
| [99.23](ex99-23.htm) | Selene Standard Findings Report |
| [99.24](ex99-24.htm) | Selene Valuation Report |
| [99.25](ex99-25.htm) | Selene Data Compare Report |

---

## Exhibit 99.1

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**NARRATIVE**

**COLT 2023-1**

**By Canopy Financial Technology Partners LLC on February 28, 2023**

Canopy Financial Technology Partners LLC

<u>info@canopytpr.com</u> \| 720-371-8517 \| <u>www.canopytpr.com</u>

Address: 83 Halls Road, Unit 203, Old Lyme, CT 06371

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by LSRMF3 Acquisitions Investments, LLC (the "Client") or its affiliated company. The Review was conducted from May 2022 to February 2023 via files imaged and provided by the Client for review.

The Review consisted of a population of One Hundred and Ten (110) Loans with an aggregate principal balance of $64,903,121.00.

**Loan Sampling**

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

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

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

**Credit Underwriting**

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

Notwithstanding the foregoing, Seller is exempt from the Ability to Repay Rule (including the revised QM definition) pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

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

● Borrower(s) employment history ;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

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

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

● Borrower identity:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

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

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)** 

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of
LEs and CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and
interest calculations, proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation
of disclosed APR and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided
within the required timeframes. Testing will be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance
Review Scope ("TRID Grid 3.0" v.12/05/2019);

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

**Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below. **Notwithstanding the foregoing, Seller is exempt from the ATR Rule pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.**

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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

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

Notwithstanding the foregoing, Seller is exempt from the Ability to Repay Rule (including the revised QM definition) pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.

**Ability to Repay (ATR)**

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

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

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

Notwithstanding the foregoing, Seller is exempt from the Ability to Repay Rule (including the revised QM definition) pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.

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**Valuation Review**

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

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

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

***Independent third-party values***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:** 

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

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

**VALUATION RESULTS SUMMARY**

The tables below sets forth the number of Mortgage Loans and valuation of associated properties within the Diligence Sample for which an independent third-party valuation product was produced in accordance with the foregoing process:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** |
| &nbsp;&nbsp;**# of Files – CU Score <= 2.5** | &nbsp;&nbsp;**# of Files – Eligible Rep & Warrant Relief** | &nbsp;&nbsp;**# of Files < -10% of OA valued (Desk Review)** | &nbsp;&nbsp;**# of Files => -10% of OA valued (Desk Review)** |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

---

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● Chart is N/A as all Loan Files were Non-Agency

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Non-Agency Eligible**  | &nbsp;&nbsp; **Non-Agency Eligible**  | &nbsp;&nbsp; **Non-Agency Eligible**  | &nbsp;&nbsp; **Non-Agency Eligible**  |
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files < -10% of OA value OR Confidence <= 80%** | &nbsp;&nbsp;**# of Files => -10% of OA value** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |

---

● Of the 110 Non-Agency Eligible loans reviewed:

○ 110 Loan Files were noted with a Desk Review supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 7 Loan Files were also noted with a Second Full Appraisal supporting the original appraised value within a 10% variance.

○ 7 Loan Files were noted with a Second Full Appraisal supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 7 Loans Files were also noted with a Desk Review supporting the original appraised value within a 10% variance.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

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

---

---

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

---

---

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

---

---

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

---

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**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 5.45% (6 loans) have an overall grade of "B" and 94.55% (104 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 4.55%, or five (5) mortgage loans reviewed, and 95.45% (105 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 0.91%, or one (1) mortgage loan reviewed, and 97.74% (259 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (110 loans) have a Property/Valuation grade of "A".

**FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;104 | &nbsp;&nbsp;94.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;105 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;110 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;109 | &nbsp;&nbsp;99.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;70 | &nbsp;&nbsp;63.64% | &nbsp;&nbsp;$35162556.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;40 | &nbsp;&nbsp;36.36% | &nbsp;&nbsp;$29740565.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64903121.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;110 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$64903121.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64903121.00** |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;$409000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;31 | &nbsp;&nbsp;28.18% | &nbsp;&nbsp;$16706100.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;19 | &nbsp;&nbsp;17.27% | &nbsp;&nbsp;$11109138.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;45 | &nbsp;&nbsp;40.91% | &nbsp;&nbsp;$24997034.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;14 | &nbsp;&nbsp;12.73% | &nbsp;&nbsp;$11681849.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64903121.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;110 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$64903121.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64903121.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;56 | &nbsp;&nbsp;50.91% | &nbsp;&nbsp;$42913612.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.55% | &nbsp;&nbsp;$2713750.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;49 | &nbsp;&nbsp;44.55% | &nbsp;&nbsp;$19275759.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**110** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64903121.00** |

---

**DATA COMPARISON RESULTS**

Of the One Hundred and Ten (110) mortgage loan files reviewed, twelve (12) unique loans (10.90% by number) had thirteen (13) tape comparison discrepancies across twenty seven (27) data fields.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;110 | &nbsp;&nbsp;2.73% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;110 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;3 | &nbsp;&nbsp;110 | &nbsp;&nbsp;2.73% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;0.00% |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

**Disclaimer**

 

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

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.2

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 4350101019 |  |  | xxx A |
| XXXX | 4350101084 |  |  | xxx A |
| XXXX | 4350100996 |  |  | xxx A |
| XXXX | 4350101088 |  |  | xxx A |
| XXXX | 4350100997 |  |  | xxx C A |
| XXXX | 4350101087 |  |  | xxx A |
| XXXX | 4350101036 |  |  | xxx A D |
| XXXX | 4350101006 |  |  | xxx A |
| XXXX | 4350101085 |  |  | xxx A |
| XXXX | 4350101037 |  |  | xxx A |
| XXXX | 4350101079 |  |  | xxx A |
| XXXX | 4350101089 |  |  | xxx A |
| XXXX | 4350101090 |  |  | xxx A |
| XXXX | 4350101086 |  |  | xxx A |
| XXXX | 4350101015 |  |  | xxx A |
| XXXX | 4350101039 |  |  | xxx A |
| XXXX | 4350100988 |  |  | xxx A |
| XXXX | 4350101038 |  |  | xxx A B |
| XXXX | 4350101029 |  |  | xxx A |
| XXXX | 4350100986 |  |  | xxx A |
| XXXX | 4350101020 |  |  | xxx A |
| XXXX | 4350101017 |  |  | xxx D A |
| XXXX | 4350101021 |  |  | xxx A |
| XXXX | 4350100998 |  |  | xxx A |
| XXXX | 4350100992 |  |  | xxx D A |
| XXXX | 4350101009 |  |  | xxx A |
| XXXX | 4350101014 |  |  | xxx A |
| XXXX | 4350101018 |  |  | xxx A |
| XXXX | 4350101016 |  |  | xxx A |
| XXXX | 4350101030 |  |  | xxx D A |
| XXXX | 4350101091 |  |  | xxx C D A B |
| XXXX | 4350100994 |  |  | xxx A |
| XXXX | 4350101023 |  |  | xxx A D |
| XXXX | 4350101078 |  |  | xxx A |
| XXXX | 4350101034 |  |  | xxx A C |
| XXXX | 4350101007 |  |  | xxx A |
| XXXX | 4350100993 |  |  | xxx A |
| XXXX | 4350101008 |  |  | xxx A D |
| XXXX | 4350101001 |  |  | xxx A D |
| XXXX | 4350101022 |  |  | xxx B A |
| XXXX | 4350100987 |  |  | xxx A |
| XXXX | 4350101005 |  |  | xxx A |
| XXXX | 4350100991 |  |  | xxx D A |
| XXXX | 4350100999 |  |  | xxx A |
| XXXX | 4350101000 |  |  | xxx A |
| XXXX | 4350101010 |  |  | xxx A |
| XXXX | 4350100989 |  |  | xxx A |
| XXXX | 4350101069 |  |  | xxx A |
| XXXX | 4350100990 |  |  | xxx A |
| XXXX | 4350101011 |  |  | xxx A |
| XXXX | 4350101004 |  |  | xxx A |
| XXXX | 4350101035 |  |  | xxx A C |
| XXXX | 4350101031 |  |  | xxx A |
| XXXX | 4350101032 |  |  | xxx A |
| XXXX | 4350101002 |  |  | xxx C A B |
| XXXX | 4350101025 |  |  | xxx A |
| XXXX | 4350101024 |  |  | xxx A |
| XXXX | 4350101040 |  |  | xxx A |
| XXXX | 4350101026 |  |  | xxx A |
| XXXX | 4350101033 |  |  | xxx D B A |
| XXXX | 4350101080 |  |  | xxx D A |
| XXXX | 4350101092 |  |  | xxx C A B |
| XXXX | 4350101042 |  |  | xxx A |
| XXXX | 4350101044 |  |  | xxx A |
| XXXX | 4350101046 |  |  | xxx A |
| XXXX | 4350101027 |  |  | xxx A |
| XXXX | 4350101012 |  |  | xxx A |
| XXXX | 4350101045 |  |  | xxx A |
| XXXX | 4350101013 |  |  | xxx C A B |
| XXXX | 4350101028 |  |  | xxx A D |
| XXXX | 4350100995 |  |  | xxx A D |
| XXXX | 4350101041 |  |  | xxx A C |
| XXXX | 4350101070 |  |  | xxx A |
| XXXX | 4350101043 |  |  | xxx A |
| XXXX | 4350101003 |  |  | xxx A |
| XXXX | 4350101052 |  |  | xxx A C |
| XXXX | 4350101047 |  |  | xxx A |
| XXXX | 4350101048 |  |  | xxx A |
| XXXX | 4350101066 |  |  | xxx A |
| XXXX | 4350101067 |  |  | xxx A |
| XXXX | 4350101055 |  |  | xxx A |
| XXXX | 4350101056 |  |  | xxx C A B |
| XXXX | 4350101058 |  |  | xxx C D A |
| XXXX | 4350101068 |  |  | xxx A |
| XXXX | 4350101059 |  |  | xxx C A B |
| XXXX | 4350101050 |  |  | xxx A |
| XXXX | 4350101057 |  |  | xxx D C A |
| XXXX | 4350101060 |  |  | xxx A |
| XXXX | 4350101062 |  |  | xxx C D A |
| XXXX | 4350101061 |  |  | xxx A |
| XXXX | 4350101063 |  |  | xxx D A |
| XXXX | 4350101053 |  |  | xxx A |
| XXXX | 4350101049 |  |  | xxx A |
| XXXX | 4350101064 |  |  | xxx A |
| XXXX | 4350101075 |  |  | xxx A |
| XXXX | 4350101076 |  |  | xxx A |
| XXXX | 4350101065 |  |  | xxx A |
| XXXX | 4350101054 |  |  | xxx A D |
| XXXX | 4350101051 |  |  | xxx A |
| XXXX | 4350101074 |  |  | xxx A |
| XXXX | 4350101072 |  |  | xxx A |
| XXXX | 4350101071 |  |  | xxx A |
| XXXX | 4350101077 |  |  | xxx A |
| XXXX | 4350101073 |  |  | xxx A |
| XXXX | 4350101081 |  |  | xxx A |
| XXXX | 4350101094 |  |  | xxx A |
| XXXX | 4350101095 |  |  | xxx A |
| XXXX | 4350101093 |  |  | xxx A |
| XXXX | 4350101082 |  |  | xxx A |
| XXXX | 4350101083 |  |  | xxx A |

---

## Exhibit 99.3

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXXX | 4350101019 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101084 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| XXXX | 4350100996 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101088 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350100997 |  | C A | Closed | FCRE1501 | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Verification of identity is acceptable from resubmission. - Due Diligence Vendor-08/01/2022 <br> Ready for Review-Document Uploaded. - Seller-07/29/2022 <br> Open-The patriot act form provide on page 960 was completed incorrectly. It appears that the date of birth was used in place of the expiration date; so, it appears that the identification that was used expired in xxx. - Due Diligence Vendor-07/22/2022 | Ready for Review-Document Uploaded. - Seller-07/29/2022<br>| Resolved-Verification of identity is acceptable from resubmission. - Due Diligence Vendor-08/01/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXXX | 4350101087 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| XXXX | 4350101036 |  | D A | Closed | FVAL8862 | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | File does not contain all required valuation documents | Resolved-Full appraisal provided at resubmission; Desk Review was uploaded with original package. - Due Diligence Vendor-07/29/2022 <br>Ready for Review-Document Uploaded. - Seller-07/28/2022 <br>Open-Missing Primary 1004 - Due Diligence Vendor-07/27/2022 | Ready for Review-Document Uploaded. - Seller-07/28/2022<br>| Resolved-Full appraisal provided at resubmission; Desk Review was uploaded with original package. - Due Diligence Vendor-07/29/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.87% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101006 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101085 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101037 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |
| XXXX | 4350101079 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101089 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101090 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101086 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| XXXX | 4350101015 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101039 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350100988 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101038 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101029 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350100986 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101020 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101017 |  | D A | Closed | FCRE5771 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/23/2022 <br>Resolved-Translated foreign credit report provided with no indication of serious derogatory items. As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022 <br>Ready for Review-Document Uploaded. - Seller-08/26/2022 <br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-08/25/2022 | Ready for Review-Document Uploaded. - Seller-08/26/2022<br>| Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/23/2022 <br>Resolved-Translated foreign credit report provided with no indication of serious derogatory items. As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of 22.59 Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350101017 |  | D A | Closed | FCRE1440 | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/23/2022 <br>Resolved-Translated foreign credit report provided with no indication of serious derogatory items. As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022 <br>Ready for Review-please clarify. - Seller-08/26/2022 <br>Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-08/25/2022 | Ready for Review-please clarify. - Seller-08/26/2022<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/23/2022 <br>Resolved-Translated foreign credit report provided with no indication of serious derogatory items. As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of 22.59 Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350101017 |  | D A | Closed | FCRE5770 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/23/2022 <br>Resolved-Translated foreign credit report provided with no indication of serious derogatory items. As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022 <br>Ready for Review-Document Uploaded. - Seller-08/26/2022 <br>Open-Borrower 1 Credit Report is Missing. Per guidelines, XXXX traditional or non-traditional credit line or reference required (i.e. bank reference, attorney reference, housing reference) Must be converted to English. Page 346 in file provides an LOE; however, it does not show adequate housing pay history, and the credit report mentioned for XXXX is not in file. - Due Diligence Vendor-08/25/2022 | Ready for Review-Document Uploaded. - Seller-08/26/2022<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/23/2022 <br>Resolved-Translated foreign credit report provided with no indication of serious derogatory items. As subject transaction is utilizing DSCR calculations, full validation of other liabilities and housing expense is not required. - Due Diligence Vendor-08/29/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of 22.59 Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350101021 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350100998 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| XXXX | 4350100992 |  | D A | Closed | FCRE9134 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing HELOC Closure Letter | Resolved-Received sufficient documentation showing HELOC is being closed with payoff. - Due Diligence Vendor-09/19/2022 <br>Ready for Review-Document Uploaded. Please see clause on the payoff stmt - This is a payoff stmt issued to customers who intend to payoff and close their account...HELOC was paid off at close. Thank you, - Seller-09/19/2022 <br>Counter-Received CD to support HELOC paid at closing. Missing HELOC closing letter to support the HELOC has been closed to future draws. - Due Diligence Vendor-09/19/2022 <br>Ready for Review-Document Uploaded. 1st and 2nd loan were paid at close - Seller-09/16/2022 <br>Open-Missing HELOC closure letter or documentation from borrower that the HELOC is past the draw period. - Due Diligence Vendor-09/13/2022 | Ready for Review-Document Uploaded. Please see clause on the payoff stmt - This is a payoff stmt issued to customers who intend to payoff and close their account...HELOC was paid off at close. Thank you, - Seller-09/19/2022 <br>Ready for Review-Document Uploaded. 1st and 2nd loan were paid at close - Seller-09/16/2022<br>| Resolved-Received sufficient documentation showing HELOC is being closed with payoff. - Due Diligence Vendor-09/19/2022<br>| Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.91% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX<br>Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.43% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXXX | 4350101009 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101014 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| XXXX | 4350101018 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101016 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101030 |  | D A | Closed | FCRE1964 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Additional pages provided matching total deposits to lender worksheet in file and in line for overall picture of business cash flow. - Due Diligence Vendor-09/30/2022 <br> Ready for Review-Document Uploaded. - Seller-09/29/2022 <br> Open-Clarification: File contains only page 1- a cover sheet- for xxx and xxx of xxx. While guideline does allow additional pages to be waived if total deposit and withdrawal activity can be verified with a partial statement, in this instance no activity can be gleaned. Please note if breakdown reflects a significant variance from the other months being evaluated, all pages may still be required to confirm eligibility. - Due Diligence Vendor-09/28/2022 <br> Open-missing bank statement that confirms deposits for xxx and xxx of xxx - Due Diligence Vendor-09/26/2022 | Ready for Review-Document Uploaded. - Seller-09/29/2022<br>| Resolved-Additional pages provided matching total deposits to lender worksheet in file and in line for overall picture of business cash flow. - Due Diligence Vendor-09/30/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.1% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of 61.82 Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.711820895522388 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXXX | 4350101091 |  | D B C A | Closed | FCRE5778 | XXXX | XXXX | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Acknowledged-Investor Exception issued to extend credit report expiration by 30 days- up to xxx; per the Note, closed on xxx. - Due Diligence Vendor-10/07/2022 <br> Ready for Review-Document Uploaded. - Seller-10/06/2022 <br> Open-Borrower 1 Credit Report is Expired (Greater than XXXX days from the Closing Date). - Due Diligence Vendor-09/26/2022 | Ready for Review-Document Uploaded. - Seller-10/06/2022<br>| Acknowledged-Investor Exception issued to extend credit report expiration by 30 days- up to xxx; per the Note, closed on xxx. - Due Diligence Vendor-10/07/2022 | Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points | Credit: Twenty-four (24) months housing history reviewed with no late payments.<br> Assets: Excess Reserves<br> Other: Qualifying FICO is 34 points higher than program minimum of xxx | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Investor Post-Close | No |
| XXXX | 4350101091 |  | D B C A | Closed | FCOM1207 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed Executed copy of Note and Addendum provided at resubmission. - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. - Seller-09/26/2022 <br>Open-The Note is Not Executed - Due Diligence Vendor-09/26/2022 | Ready for Review-Document Uploaded. - Seller-09/26/2022<br>| Resolved-The Note is Executed Executed copy of Note and Addendum provided at resubmission. - Due Diligence Vendor-09/27/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350101091 |  | D B C A | Closed | FCOM1209 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing Package | Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty | Resolved-Received document - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. - Seller-09/26/2022 <br>Open-Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty - Due Diligence Vendor-09/26/2022 | Ready for Review-Document Uploaded. - Seller-09/26/2022<br>| Resolved-Received document - Due Diligence Vendor-09/27/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350101091 |  | D B C A | Closed | FCOM1229 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-\*\*\*Received Document - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. - Seller-09/26/2022 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-09/23/2022 | Ready for Review-Document Uploaded. - Seller-09/26/2022<br>| Resolved-\*\*\*Received Document - Due Diligence Vendor-09/27/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350101091 |  | D B C A | Closed | FCOM1224 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved-\*\*\*Received Document - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. - Seller-09/26/2022 <br>Open-Condo Rider is Missing - Due Diligence Vendor-09/23/2022 | Ready for Review-Document Uploaded. - Seller-09/26/2022<br>| Resolved-\*\*\*Received Document - Due Diligence Vendor-09/27/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350101091 |  | D B C A | Closed | FCOM1220 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. - Seller-09/26/2022 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-09/23/2022 | Ready for Review-Document Uploaded. - Seller-09/26/2022<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/27/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350101091 |  | D B C A | Closed | FCOM1232 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Fully executed final 1003 reflecting correct borrower and loan term information. - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. - Seller-09/26/2022 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-09/23/2022 | Ready for Review-Document Uploaded. - Seller-09/26/2022<br>| Resolved-Fully executed final 1003 reflecting correct borrower and loan term information. - Due Diligence Vendor-09/27/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 12 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350100994 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101023 |  | D A | Closed | FCOM1232 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-09/30/2022 <br>Ready for Review-Document Uploaded. Final 1003 attached, thank you. - Seller-09/29/2022 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-09/27/2022 | Ready for Review-Document Uploaded. Final 1003 attached, thank you. - Seller-09/29/2022<br>| Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-09/30/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 14 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350101078 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101034 |  | C A | Closed | finding-47 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received copy of PCCD - Due Diligence Vendor-10/05/2022 <br>Ready for Review-Document Uploaded. - Seller-10/05/2022 <br>Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*The funding date is before the third business day following consummation. Funding Worksheet on page 399 does not list the funding date. Funding date confirmation needed from lender. - Due Diligence Vendor-10/05/2022 | Ready for Review-Document Uploaded. - Seller-10/05/2022<br>| Resolved-Received copy of PCCD - Due Diligence Vendor-10/05/2022<br>| Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.34% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXXX | 4350101007 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350100993 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101008 |  | D A | Closed | FCOM1232 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-10/07/2022 <br>Ready for Review-Document Uploaded. - Seller-10/06/2022 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-10/05/2022 | Ready for Review-Document Uploaded. - Seller-10/06/2022<br>| Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-10/07/2022<br>| Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - 34 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXXX | 4350101001 |  | D A | Closed | finding-47 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with updated disbursement date - Due Diligence Vendor-10/24/2022 <br> Ready for Review-Document Uploaded. PCCD and FSS - Seller-10/17/2022 <br> Counter-The disbursement date on FCD is dated xxx. it does not adhere to the 3 day cooling period. - Due Diligence Vendor-10/13/2022 <br> Ready for Review-Document Uploaded. NRTC attached, thank you - Seller-10/12/2022 <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Copy of Right of Rescission is Missing from the file - Due Diligence Vendor-10/06/2022 | Ready for Review-Document Uploaded. PCCD and FSS - Seller-10/17/2022 <br>Ready for Review-Document Uploaded. NRTC attached, thank you - Seller-10/12/2022<br>| Resolved-Received PCCD with updated disbursement date - Due Diligence Vendor-10/24/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months<br>Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.76% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX Years<br>Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXXX | 4350101001 |  | D A | Closed | FCOM1262 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Received Right of Rescission - Due Diligence Vendor-10/13/2022 <br>Ready for Review-Document Uploaded. - Seller-10/12/2022 <br>Open-Right of Rescission is Missing Copy of Right of Rescission is Missing from the file - Due Diligence Vendor-10/06/2022 | Ready for Review-Document Uploaded. - Seller-10/12/2022<br>| Resolved-Received Right of Rescission - Due Diligence Vendor-10/13/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months<br>Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.76% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX<br> Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXXX | 4350101022 |  | B A | Closed | FCRE1183 | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Final Approval provided at resubmission. - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. - Seller-10/11/2022 <br>Open-1008/Underwriting Summary is fully present Underwriting Final Approval not in file, Conditional Approval is in file. - Due Diligence Vendor-10/10/2022 | Ready for Review-Document Uploaded. - Seller-10/11/2022<br>| Resolved-Final Approval provided at resubmission. - Due Diligence Vendor-10/11/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXXQualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 680 By XXXX or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXXX | 4350100987 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101005 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350100991 |  | D A | Closed | FCRE5770 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report, meets guideline requirements. Condition cleared. - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. - Seller-10/14/2022 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-10/13/2022 | Ready for Review-Document Uploaded. - Seller-10/14/2022<br>| Resolved-Received credit report, meets guideline requirements. Condition cleared. - Due Diligence Vendor-10/14/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 18 By XXXX Or More Months<br>Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.48% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXXX | 4350100999 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101000 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101010 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350100989 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101069 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| XXXX | 4350100990 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101011 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| XXXX | 4350101004 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101035 |  | C A | Closed | finding-3652 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received PCCD, LOE, xxx Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022 <br> Ready for Review-Document Uploaded. - Seller-11/02/2022 <br> Counter-Received PCCD, LOE, and shipping label. Cure package is incomplete, missing copy of refund check. - Due Diligence Vendor-10/25/2022 <br> Ready for Review-Document Uploaded. - Seller-10/21/2022 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*Appraisal Fee increased XXXX. Lender cure XXXX was disclosed on XXXX but was removed on XXXX - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. - Seller-11/02/2022 <br>Ready for Review-Document Uploaded. - Seller-10/21/2022<br>| Resolved-Received PCCD, LOE, XXXX Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022<br>| Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101035 |  | C A | Closed | finding-3631 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received PCCD, LOE, xxx Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022 <br> Ready for Review-Document Uploaded. - Seller-11/02/2022 <br> Counter-Received PCCD, LOE, and shipping label. Cure package is incomplete, missing copy of refund check. - Due Diligence Vendor-10/25/2022 <br> Ready for Review-Document Uploaded. - Seller-10/21/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*Appraisal Fee increased XXXX. Lender cure (XXXX) was disclosed on XXXX but was removed on XXXX - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. - Seller-11/02/2022 <br>Ready for Review-Document Uploaded. - Seller-10/21/2022<br>| Resolved-Received PCCD, LOE, XXXX Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022<br>| Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101035 |  | C A | Closed | finding-3632 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received PCCD, LOE, xxx Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022 <br> Ready for Review-Document Uploaded. - Seller-11/02/2022 <br> Counter-Received PCCD, LOE, and shipping label. Cure package is incomplete, missing copy of refund check. - Due Diligence Vendor-10/25/2022 <br> Ready for Review-Document Uploaded. - Seller-10/21/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*Appraisal Fee increased XXXX. Lender cure XXXX was disclosed on XXXX but was removed on XXXX - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. - Seller-11/02/2022 <br>Ready for Review-Document Uploaded. - Seller-10/21/2022<br>| Resolved-Received PCCD, LOE, XXXX Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022<br>| Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101035 |  | C A | Closed | finding-3634 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received PCCD, LOE, xxx Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022 <br> Ready for Review-Document Uploaded. - Seller-11/02/2022 <br> Counter-Received PCCD, LOE, and shipping label. Cure package is incomplete, missing copy of refund check. - Due Diligence Vendor-10/25/2022 <br> Ready for Review-Document Uploaded. - Seller-10/21/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*Appraisal Fee increased XXXX. Lender cure XXXX was disclosed on XXXX but was removed on XXXX - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. - Seller-11/02/2022 <br>Ready for Review-Document Uploaded. - Seller-10/21/2022<br>| Resolved-Received PCCD, LOE, XXXX Shipping Label, Copy of Refund Check - Due Diligence Vendor-11/02/2022<br>| Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 2 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101031 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101032 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101002 |  | C B A | Closed | FCRE1194 | XXXX | XXXX | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Received approved exception to Allow LTV to 85% on Cash Out AltDoc - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. - Seller-10/24/2022 <br>Open-Audited LTV of 85% exceeds Guideline LTV of 80% Guideline maximum LTV for cash out is 70%. Exception request on page 884 - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. - Seller-10/24/2022<br>| Acknowledged-Received approved exception to Allow LTV to 85% on Cash Out AltDoc - Due Diligence Vendor-10/24/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months | Credit: Excellent credit history / minimal use of consumer credit<br> Income: Low DTI<br> Assets: Excessive Reserves | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXXX | 4350101025 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| XXXX | 4350101024 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101040 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101026 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101033 |  | D A B | Closed | FCRE1241 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-11/04/2022 <br>Resolved-Purchase Contract provided at resubmission. - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. - Seller-10/31/2022 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-10/28/2022 | Ready for Review-Document Uploaded. - Seller-10/31/2022<br>| Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-11/04/2022 <br>Resolved-Purchase Contract provided at resubmission. - Due Diligence Vendor-11/01/2022<br>| Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.53% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101033 |  | D A B | Closed | FCOM5135 | XXXX | XXXX | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved. \*\*Received unexecuted copy issued xxx, able to confirm the same was provided to the borrower electronically on xxx per Disclosure Tracking Details documents sent section. - Due Diligence Vendor-11/01/2022 <br> Ready for Review-Document Uploaded. - Seller-11/01/2022 <br> Open-Required Affiliated Business Disclosure Missing Affiliated Business Disclosure not in the file - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. - Seller-11/01/2022<br>| Resolved-Required Affiliated Business Disclosure Resolved. \*\*Received unexecuted copy issued xxx, able to confirm the same was provided to the borrower electronically on xxx per Disclosure Tracking Details documents sent section. - Due Diligence Vendor-11/01/2022 | Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.53% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101080 |  | D A | Closed | FCRE1254 | XXXX | XXXX | Resolved | 1 - Information A | Credit | Title | Property Title Issue | Resolved-Received the final title policy. Items #9 and #10 on the title commitment ar not reflected on the final title [policy. Condition resolved. - Due Diligence Vendor-11/09/2022 <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/09/2022 <br>Open-Document Uploaded. - Due Diligence Vendor-11/09/2022 <br>Open-Per statement from title insurer, executed affidavits were to be provided at closing to resolve items #9 and #10 listed on commitment. Please provide a copy of these forms to confirm the Exceptions will not carry over to Final Policy. - Due Diligence Vendor-11/09/2022 |  | Resolved-Received the final title policy. Items #9 and #10 on the title commitment ar not reflected on the final title [policy. Condition resolved. - Due Diligence Vendor-11/09/2022 <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/09/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Not Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.8183482450103234 |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXXX | 4350101080 |  | D A | Closed | FCRE1252 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-11/09/2022 <br>Resolved-Full Title Commitment provided at resubmission. - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. Please see 3rd page of the attachment, thank you. - Seller-11/07/2022 <br>Open-Title Document is Incomplete only Schedule A is provided for the preliminary report - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. Please see 3rd page of the attachment, thank you. - Seller-11/07/2022<br>| Resolved-Title Document is Provided And Complete - Due Diligence Vendor-11/09/2022 <br>Resolved-Full Title Commitment provided at resubmission. - Due Diligence Vendor-11/09/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Not Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.8183482450103234 |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXXX | 4350101092 |  | C B A | Closed | FCRE1196 | XXXX | XXXX | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Document Uploaded. - Seller-11/07/2022 <br> Counter-Review of Investor Product Matrices dated both xxx and xxx each indicate that for DSCR >50% but <100%, maximum LTV/CLTV is 65%. Higher percentages are allowed if DSCR returns >100%. Please provide acceptable Investor Exception to allow for 5% variance. - Due Diligence Vendor-11/07/2022 <br> Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022 <br> Open-Audited HCLTV of 70% exceeds Guideline HCLTV of 65% Max HCLTV for DSCR less than 1 is 65%. - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. - Seller-11/07/2022 <br> Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022 | Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2563191684500153<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 16 By XXXX Or More Months<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX | Excess Reserves; Qualifying FICO is 43 points higher than program minimum of xxx | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes |
| XXXX | 4350101092 |  | C B A | Closed | FCRE1195 | XXXX | XXXX | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Document Uploaded. Thank you for the clarification, xxx. xxx Exception attached. - Seller-11/07/2022 <br> Counter-Review of Investor Product Matrices dated both xxx and xxx each indicate that for DSCR >50% but <100%, maximum LTV/CLTV is 65%. Higher percentages are allowed if DSCR returns >100%. Please provide acceptable Investor Exception to allow for 5% variance. - Due Diligence Vendor-11/07/2022 <br> Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022 <br> Open-Audited CLTV of 70% exceeds Guideline CLTV of 65% Max CLTV for DSCR less than 1 is 65%. - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. Thank you for the clarification, XXXX. XXXX Exception attached. - Seller-11/07/2022 <br> Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022 | Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2563191684500153<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 16 By XXXX Or More Months<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX | Excess Reserves; Qualifying FICO is 43 points higher than program minimum of xxx | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes |
| XXXX | 4350101092 |  | C B A | Closed | FCRE1194 | XXXX | XXXX | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Document Uploaded. Thank you for the clarification, xxx. xxx Exception attached. - Seller-11/07/2022 <br> Counter-Review of Investor Product Matrices dated both xxx and xxx each indicate that for DSCR >50% but <100%, maximum LTV/CLTV is 65%. Higher percentages are allowed if DSCR returns >100%. Please provide acceptable Investor Exception to allow for 5% variance. - Due Diligence Vendor-11/07/2022 <br> Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022 <br> Counter-1008 in file indicates DSCR as =>135%, however even at initial payment, total housing expense for the subject is $xxx and per 1007, market rent is $xxx, for a DSCR of .903%. At fully amortized rate ratio is .778%. Per product matrix, if DSCR <1, maximum LTV/CLTV is 65%. Please provide acceptable policy variance to allow for 5% lift. - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Please send us your calculation. Thank you - Seller-11/03/2022 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% Max LTV for DSCR less than 1 is 65%. - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. Thank you for the clarification, XXXX. XXXX Exception attached. - Seller-11/07/2022 <br> Ready for Review-Note date: xxx / Guides dated xxx reflect CLTV of 70% is acceptable. - Seller-11/04/2022 <br> Ready for Review-Please send us your calculation. Thank you - Seller-11/03/2022 | Acknowledged-Investor Exception issued for 5% LTV/CLTV expansion to 70% with DSCR >50% but <100%. - Due Diligence Vendor-11/09/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2563191684500153<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 16 By XXXX Or More Months<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX | Excess Reserves; Qualifying FICO is 43 points higher than program minimum of xxx | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes |
| XXXX | 4350101042 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101044 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |
| XXXX | 4350101046 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101027 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |
| XXXX | 4350101012 |  | A | Closed | FCOM1220 | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Open-The Deed of Trust is Missing The Deed of Trust is Missing - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/15/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Not Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350101045 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101013 |  | C B A | Closed | FCRE8138 | XXXX | XXXX | Acknowledged | 2 - Non-Material C B | Credit | Income | DSCR is less than the guideline minimum | Acknowledged-Transaction was originated outside of standard guidelines per xxx Matrix dated xxx with a DSCR of <1.00. Post-closing program was revised to xxx program and meets all eligibility requirements. - Due Diligence Vendor-12/07/2022 <br> Ready for Review-Document Uploaded. - Seller-12/06/2022 <br> Counter-The Matrix provided on page 5 of 44 of xxx Guidelines Dated xxx indicates DSCR must be 1.00 or above, which is further stated on page 15. Foreign National matrix included with folder designated "xxx Matrices- All Programs XXXX" also reflects availability of DSCR >1.00. If an update to this program has been made, please provide confirmation of same, or an Approved Exception to allow at <1.00. - Due Diligence Vendor-11/30/2022 <br> Ready for Review-Please advise what set of guidelines you are referring to? I do not see a caveat saying less than 1% is not allowed on xxx. - Seller-11/28/2022 <br> Ready for Review-Estimated monthly market rent from 1007 / Subject property PITIA= $xxx/$xxx= 0.82. xxx guidelines indicate that the guideline minimum DSCR is 1, so the guideline minimum is not met. PITIA calculated as principal and interest payment $xxx + tax $xxx + insurance $xxx + HOA $xxx = $xxx. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Please upload your calculations. Thank you - Seller-11/22/2022 <br> Open-DSCR ratio of .93 is less than minimum 1. per guidelines. - Due Diligence Vendor-11/22/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022 <br> Ready for Review-Please advise what set of guidelines you are referring to? I do not see a caveat saying less than 1% is not allowed on xxx. - Seller-11/28/2022 <br> Ready for Review-Please upload your calculations. Thank you - Seller-11/22/2022 | Acknowledged-Transaction was originated outside of standard guidelines per xxx Matrix dated xxx with a DSCR of <1.00. Post-closing program was revised to No Ratio program and meets all eligibility requirements. - Due Diligence Vendor-12/07/2022 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals null<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Not Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Investor Post-Close | No |
| XXXX | 4350101028 |  | D A | Closed | FCOM1511 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Received copy of executed Final CD - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Open-Missing settlement statement executed by the borrower at closing. Several provided but are not executed. Only the certified final settlement statement dated after closing provided. - Due Diligence Vendor-11/22/2022 | Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Received copy of executed Final CD - Due Diligence Vendor-11/28/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Not Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A |
| XXXX | 4350100995 |  | D A | Closed | finding-47 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD and FSS. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*The funding date is before the third business day following consummation. Confirmation of funding date needed from lender. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Received PCCD and FSS. - Due Diligence Vendor-11/28/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.91% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX<br> Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXXX | 4350100995 |  | D A | Closed | FCOM1228 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Other Rider is Missing | Resolved-ARM rider provided. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-Missing the MERS rider, PUD Rider and ARM Rider to the mortgage. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-ARM rider provided. - Due Diligence Vendor-11/28/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.91% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXXBorrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXXX | 4350101041 |  | C A | Closed | finding-3631 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. - Seller-12/01/2022 <br> Counter-Received PCCD with Appraisal Re-Inspection fee amount updated from $xxx on Final CD to $xxx. Final Settlement statement confirms borrower paid $xxx. The PCCD alone does not resolve the finding. - Due Diligence Vendor-12/01/2022 <br> Ready for Review-Document Uploaded. - Seller-11/30/2022 <br> Counter-Received PCCD with revised Re-Inspection Fee amount. Please provide a copy of the borrower signed or closing agent certified Final Settlement Statement for review. - Due Diligence Vendor-11/29/2022 <br> Ready for Review-Document Uploaded. - Seller-11/29/2022 <br> Counter-Received COC with date of change of xxx for the Re-Inspection Fee of $xxx first disclosed in Revised LE issued xxx. The Re-Inspection fee increased to $xxx in the Final CD and the file does not appear to include a COC in relation to the increase. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Seller-11/21/2022 <br> Open-\*\*\*\*\*Appraisal Reinspection Fee increased without an accompanying COC or specific lender credits. - Due Diligence Vendor-11/18/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022 | Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.78% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101041 |  | C A | Closed | finding-3632 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. - Seller-12/01/2022 <br> Counter-Received PCCD with Appraisal Re-Inspection fee amount updated from $xxx on Final CD to $xxx. Final Settlement statement confirms borrower paid $xxx. The PCCD alone does not resolve the finding. - Due Diligence Vendor-12/01/2022 <br> Ready for Review-Document Uploaded. - Seller-11/30/2022 <br> Counter-Received PCCD with revised Re-Inspection Fee amount. Please provide a copy of the borrower signed or closing agent certified Final Settlement Statement for review. - Due Diligence Vendor-11/29/2022 <br> Ready for Review-Document Uploaded. - Seller-11/29/2022 <br> Counter-Received COC with date of change of xxx for the Re-Inspection Fee of $xxx first disclosed in Revised LE issued xxx. The Re-Inspection fee increased to $xxx in the Final CD and the file does not appear to include a COC in relation to the increase. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Seller-11/21/2022 <br> Open-\*\*\*\*\*Appraisal Reinspection Fee increased without an accompanying COC or specific lender credits. - Due Diligence Vendor-11/18/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022 | Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.78% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101041 |  | C A | Closed | finding-3634 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. Corrected FSS - Seller-12/01/2022 <br> Ready for Review-Document Uploaded. - Seller-12/01/2022 <br> Counter-Received PCCD with Appraisal Re-Inspection fee amount updated from $xxx on Final CD to $xxx. Final Settlement statement confirms borrower paid $xxx. The PCCD alone does not resolve the finding. - Due Diligence Vendor-12/01/2022 <br> Counter-Received PCCD with revised Re-Inspection Fee amount. Please provide a copy of the borrower signed or closing agent certified Final Settlement Statement for review. - Due Diligence Vendor-11/29/2022 <br> Ready for Review-Document Uploaded. - Seller-11/29/2022 <br> Counter-Received COC with date of change of xxx for the Re-Inspection Fee of $xxx first disclosed in Revised LE issued xxx. The Re-Inspection fee increased to $xxx in the Final CD and the file does not appear to include a COC in relation to the increase. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Seller-11/21/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*Appraisal Reinspection Fee increased without an accompanying COC or specific lender credits. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. Corrected FSS - Seller-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Received PCCD and Revised executed FSS confirming borrower paid $xxx for the Appraisal Reinspection Fee. - Due Diligence Vendor-12/05/2022 | Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXXAre Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.78% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101070 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101043 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101003 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101052 |  | C A | Closed | finding-47 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD and FSS with correct disbursement date - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\* Disbursement date per Final CD in file is same date as third day of borrower's rescission period (11.21.22). Lender to provide evidence that loan disbursement occurred after borrower's 3-day rescission period - on or after 11.22.22 - Due Diligence Vendor-12/05/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Received PCCD and FSS with correct disbursement date - Due Diligence Vendor-12/07/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.8381143740340031<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br>Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - XXXX Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXXX | 4350101047 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101048 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101066 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101067 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| XXXX | 4350101055 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101056 |  | C B A | Closed | FCRE1491 | XXXX | XXXX | Acknowledged | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Acknowledged-Investor Exception issued for less than 5% minimum investment from borrower for a first-time homeowner using gift funds for majority of downpayment. - Due Diligence Vendor-12/27/2022 <br> Ready for Review-Document Uploaded. - Seller-12/27/2022 <br> Open-Alt Doc program requires a minimum of 5% from the borrower into the transaction- which is $xxx. Per PCCD in file, total amount paid by the applicant is $xxx. Additionally, $xxx earnest money source was not verified in the file. Please provide an Approved Exception to allow less than 5% of the borrower's own funds being used for cash to close. - Due Diligence Vendor-12/12/2022 | Ready for Review-Document Uploaded. - Seller-12/27/2022<br>| Acknowledged-Investor Exception issued for less than 5% minimum investment from borrower for a first-time homeowner using gift funds for majority of downpayment. - Due Diligence Vendor-12/27/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.97% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX Years | Credit: Twenty-four (24) months housing history reviewed with no late payments; Income: Significant residual income ($xxx/mo) | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No |
| XXXX | 4350101058 |  | D A C | Closed | FCOM1220 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present. \*\*received - Due Diligence Vendor-12/19/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Open-The Deed of Trust is Missing - file contains only the PUD Rider; please provide all pages to executed and notarized Security Instrument and any additional Riders as applicable. - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/15/2022<br>| Resolved-The Deed of Trust is Present. \*\*received - Due Diligence Vendor-12/19/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101058 |  | D A C | Closed | FCRE1205 | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/19/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Open-OFAC Check Not Completed and/or Cleared Per Fraud Report in file, borrower returned as a possible match to a Federal Exclusionary List- please provide documentation used to clear this alert. - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/16/2022<br>| Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/19/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101068 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101059 |  | C B A | Closed | finding-3634 | XXXX | XXXX | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Counter-Received PCC, LOE and check request form. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*Appraisal Admin Fee added to borrower fees on Final CD (dated 12.02.22) and had not been disclosed prior. Addition of fees without corresponding COC or appropriate lender credits exceed Sec B tolerance per TRID regulation. - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022<br>| Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101059 |  | C B A | Closed | finding-3631 | XXXX | XXXX | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Counter-Received PCC, LOE and check request form. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*Appraisal Admin Fee added to borrower fees on Final CD (dated 12.02.22) and had not been disclosed prior. Addition of fees without corresponding COC or appropriate lender credits exceed Sec B tolerance per TRID regulation. - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022<br>| Cured-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101059 |  | C B A | Closed | finding-3632 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Counter-Received PCC, LOE and check request form. Cure package is incomplete, missing copy of refund check and proof of delivery. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*Appraisal Admin Fee added to borrower fees on Final CD (dated 12.02.22) and had not been disclosed prior. Addition of fees without corresponding COC or appropriate lender credits exceed Sec B tolerance per TRID regulation. - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022<br>| Resolved-Received PCCD, LOE, Copy of refund check, and proof of delivery. - Due Diligence Vendor-01/04/2023<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101059 |  | C B A | Closed | FCRE8201 | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Property History Report in file does reflect borrower as co-owner, however Note, mortgage statement, and insurance policy reflect only the primary holder. DTI when including taxes and insurance is in line and confirmed with copy of Note that borrower does not have obligation to this debt; issue resolved. - Due Diligence Vendor-12/19/2022 <br> Ready for Review-Document Uploaded. - per UW: They are looking at it wrong. Attached is a copy of the Note in the file that references the property address secured by this lien (xxx) and the Note Holder/Payee is xxx and the Payor is xxx which is not our borrower. The LOE in the files states that this is his XXXX. This is sufficient documentation to prove that our borrower is not liable for this debt. - Seller-12/16/2022 <br> Open-Approval states that borrower not responsible for payment at xxx and XXXX pays mortgage. Docs show that XXXX is the Note holder and mortgage statement shows XXXX is the payee. Need some kind of proof showing that borrower does not pay mortgage via documentation showing XXXX paying the mortgage. - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. - per UW: They are looking at it wrong. Attached is a copy of the Note in the file that references the property address secured by this lien (xxx) and the Note Holder/Payee is xxx and the Payor is xxx which is not our borrower. The LOE in the files states that this is his XXXX. This is sufficient documentation to prove that our borrower is not liable for this debt. - Seller-12/16/2022 | Resolved-Property History Report in file does reflect borrower as co-owner, however Note, mortgage statement, and insurance policy reflect only the primary holder. DTI when including taxes and insurance is in line and confirmed with copy of Note that borrower does not have obligation to this debt; issue resolved. - Due Diligence Vendor-12/19/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - 1XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101050 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101057 |  | D A C | Closed | finding-3601 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | Resolved-Received PCCD and new IEAD. - Due Diligence Vendor-01/17/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Counter-Although the loan has funded and escrows will be corrected by the servicer when account is boarded, a PCCD, LOE, and proof of delivery are needed as evidence the "Projected Payments" section on page 1 of the CD discloses the corrected information. - Due Diligence Vendor-01/04/2023 <br>Ready for Review-This loan is now funded and will be corrected by the Servicer when account is boarded. I am not sure we need to do any further corrections at this time. - Seller-12/30/2022 <br>Open-Please provide acceptable PCCD issued to borrower reflecting revised HO6 insurance payment details. - Due Diligence Vendor-12/30/2022 | Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Ready for Review-This loan is now funded and will be corrected by the Servicer when account is boarded. I am not sure we need to do any further corrections at this time. - Seller-12/30/2022<br>| Resolved-Received PCCD and new IEAD. - Due Diligence Vendor-01/17/2023<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of 52.69 Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXXX | 4350101057 |  | D A C | Closed | FCOM1621 | XXXX | XXXX | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Received new IEAD - Due Diligence Vendor-01/17/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Counter-Although the loan has funded and escrows will be corrected by the services when account is boarded, we will still need a corrected Initial Escrow Account Disclosure, PCCD disclosing the corrected Project Payment information, an LOE, and proof of delivery. - Due Diligence Vendor-01/04/2023 <br>Ready for Review-This loan is now funded and will be corrected by the Servicer when account is boarded. I am not sure we need to do any further corrections at this time. - Seller-12/30/2022 <br>Open-Please provide acceptable updated Initial Escrow Disclosure issued to borrower reflecting revised HO6 insurance payment details. - Due Diligence Vendor-12/30/2022 | Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Ready for Review-This loan is now funded and will be corrected by the Servicer when account is boarded. I am not sure we need to do any further corrections at this time. - Seller-12/30/2022<br>| Resolved-Received new IEAD - Due Diligence Vendor-01/17/2023<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXXX | 4350101057 |  | D A C | Closed | FCRE1347 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Validation of business active and in good standing without interruption throughout origination provided at resubmission- xxx page verifying business continues and processor affirms date obtained; item resolved. - Due Diligence Vendor-01/09/2023 <br> Ready for Review-Document Uploaded. - Seller-01/06/2023 <br> Counter-xxx search for business does not indicate the date this validation was pulled- please provide a complete copy including the date, or a lender certification attesting to when this verification was obtained. - Due Diligence Vendor-01/06/2023 <br> Ready for Review-Document Uploaded. - Seller-01/05/2023 <br> Counter-Articles of Incorporation provided at resubmission to verify initial shares held entirely by the borrowers; still pending updated validation of business from CPA, re-searching of business registry, or other third party source as borrower-generated receipts are not sufficient per current guidelines. - Due Diligence Vendor-01/03/2023 <br> Ready for Review-Document Uploaded. - Seller-12/30/2022 <br> Counter-No new information received- Alt Doc program guidelines do not specify allowance of borrower-generated receipts as proof of continued existence of the entity. Please provide an updated registry search within 30 days prior to closing. Additionally, file does not contain verification borrowers hold 100% of shares- initial filing included two additional agents and current percentage of ownership has not been documented. - Due Diligence Vendor-12/30/2022 <br> Ready for Review-Document Uploaded. - per Account Manager: the broker/borrower provided receipts as of 11/21, 11/22, and 11/23, this should work for the VOE - Seller-12/29/2022 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing . Please provide acceptable updated verification of borrowers' business as most recent registry search was performed xxx, more than 30 days prior to closing. Additionally, file does not contain verification borrowers hold 100% of shares- initial filing included two additional agents and current percentage of ownership was not documented in the file. - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. - Seller-01/06/2023 <br> Ready for Review-Document Uploaded. - Seller-01/05/2023 <br> Ready for Review-Document Uploaded. - Seller-12/30/2022 <br> Ready for Review-Document Uploaded. - per Account Manager: the broker/borrower provided receipts as of xxx, xxx, and xxx, this should work for the VOE - Seller-12/29/2022 | Resolved-Validation of business active and in good standing without interruption throughout origination provided at resubmission- xxx page verifying business continues and processor affirms date obtained; item resolved. - Due Diligence Vendor-01/09/2023 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXXX | 4350101057 |  | D A C | Closed | FCRE1316 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Validation of business active and in good standing without interruption throughout origination provided at resubmission- xxx page verifying business continues and processor affirms date obtained; item resolved. - Due Diligence Vendor-01/09/2023 <br> Ready for Review-Document Uploaded. - Seller-01/06/2023 <br> Counter-xxx search for business does not indicate the date this validation was pulled- please provide a complete copy including the date, or a lender certification attesting to when this verification was obtained. - Due Diligence Vendor-01/06/2023 <br> Ready for Review-Document Uploaded. - Seller-01/05/2023 <br> Counter-Articles of Incorporation provided at resubmission to verify initial shares held entirely by the borrowers; still pending updated validation of business from CPA, re-searching of business registry, or other third party source as borrower-generated receipts are not sufficient per current guidelines. - Due Diligence Vendor-01/03/2023 <br> Ready for Review-Document Uploaded. - Seller-12/30/2022 <br> Counter-No new information received- Alt Doc program guidelines do not specify allowance of borrower-generated receipts as proof of continued existence of the entity. Please provide an updated registry search within 30 days prior to closing. Additionally, file does not contain verification borrowers hold 100% of shares- initial filing included two additional agents and current percentage of ownership has not been documented. - Due Diligence Vendor-12/30/2022 <br> Ready for Review-Document Uploaded. - Seller-12/29/2022 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing . Please provide acceptable updated verification of borrowers' business as most recent registry search was performed 11/2/22, more than 30 days prior to closing. Additionally, file does not contain verification borrowers hold 100% of shares- initial filing included two additional agents and current percentage of ownership was not documented in the file. - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. - Seller-01/06/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023 <br>Ready for Review-Document Uploaded. - Seller-12/30/2022 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022<br>| Resolved-Validation of business active and in good standing without interruption throughout origination provided at resubmission- xxx page verifying business continues and processor affirms date obtained; item resolved. - Due Diligence Vendor-01/09/2023 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXXX | 4350101057 |  | D A C | Closed | FCRE9488 | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Per response received, borrower has indicated intent to use solely as a second home and a new HO6 policy has been issued. No gap in coverage present as prior policy including landlord protection was in effect up to conversion with the same insurer. Separate items added to disclose new payment details accordingly. - Due Diligence Vendor-12/30/2022 <br>Ready for Review-Document Uploaded. - per Account Manager: The updated insurance is now in the file, unfortunately they had to do a new policy so that home was done only as a 2nd home, the premium changed, I advised the broker to let borrower know to pay the premium and we will have to adjust the escrows at some point. I did leave the original policy in there because this will show we were covered up thru when the new policy for just 2nd home was put into place. - Seller-12/29/2022 <br>Open-Subject property was submitted and closed as a second home, however HO6 coverage in file indicates an endorsement for Rental Property. Please provide satisfactory explanation and clarification on the subject's usage. - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. - per Account Manager: The updated insurance is now in the file, unfortunately they had to do a new policy so that home was done only as a 2nd home, the premium changed, I advised the broker to let borrower know to pay the premium and we will have to adjust the escrows at some point. I did leave the original policy in there because this will show we were covered up thru when the new policy for just 2nd home was put into place. - Seller-12/29/2022<br>| Resolved-Per response received, borrower has indicated intent to use solely as a second home and a new HO6 policy has been issued. No gap in coverage present as prior policy including landlord protection was in effect up to conversion with the same insurer. Separate items added to disclose new payment details accordingly. - Due Diligence Vendor-12/30/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 6 By XXXX Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXXX | 4350101060 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101062 |  | D A C | Closed | FCRE1348 | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Resolved-Updated Worksheet including rationale for approval as required per Alt Doc guidelines provided at resubmission. - Due Diligence Vendor-12/30/2022 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Counter-Agree with response, however neither 1008 nor bank statement analysis worksheet in original package includes underwriting rationale for approval with less than two years' self-employment- please provide. - Due Diligence Vendor-12/29/2022 <br>Ready for Review--per Guidelines: When the Borrower has less than a two-year history of receiving income, an analysis must be<br> performed to justify the stability of the income used to qualify the Borrower - Seller-12/28/2022 <br>Open-Revision 12/27/22: Final 1003 provided at resubmission does not include prior employment details and both application and business records confirm the entity being used to qualify has been in existence less than 24 months. Please provide satisfactory proof of prior history to meet Alt Doc Bank Statement program guidelines. - Due Diligence Vendor-12/27/2022 <br>Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months Current employments is less than 2 years. Prior employment was not provided at the time of review and final 1003 was not provided to show if prior employment was disclosed. - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Ready for Review--per Guidelines: When the Borrower has less than a two-year history of receiving income, an analysis must be<br> performed to justify the stability of the income used to qualify the Borrower - Seller-12/28/2022<br>| Resolved-Updated Worksheet including rationale for approval as required per xxx guidelines provided at resubmission. - Due Diligence Vendor-12/30/2022 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3829940119760479<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - 13.XXXX<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101062 |  | D A C | Closed | FCOM1232 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Open-The Final 1003 is Missing Provide final executed 1003 from closing as it was not provided at the time of review. Only the initial 1003 was provided. - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/23/2022<br>| Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-12/27/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.3829940119760479<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.03% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower At Current Residence For XXXX Or More Years - Borrower At Current Residence For XXXX Or More Years - 13.XXXX<br> Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By XXXX or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By XXXX or More Points<br> Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101061 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| XXXX | 4350101063 |  | D A | Closed | FCRE1161 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/11/2023 <br>Resolved-Flood cert provided at resubmission. - Due Diligence Vendor-01/06/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023 <br>Open-Missing Flood Certificate - Due Diligence Vendor-01/04/2023 | Ready for Review-Document Uploaded. - Seller-01/05/2023<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/11/2023 <br>Resolved-Flood cert provided at resubmission. - Due Diligence Vendor-01/06/2023<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 12 By XXXX Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Time In Profession By XXXX Years Or More - Borrower 1 Has Stable Time In Profession By XXXX Years Or More - XXXX<br> Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - Borrower 1 Has Stable Job Time Of XXXX Or More Years At Current Job - XXXX |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| XXXX | 4350101053 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101049 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101064 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101075 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101076 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101065 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101054 |  | D A | Closed | FCOM1233 | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/17/2023 <br>Ready for Review-Document Uploaded. - Seller-01/13/2023 <br>Counter-Please provide a copy of page 1 of Final 1003 initialed by borrower as Intent to Apply for Joint Credit. - Due Diligence Vendor-01/12/2023 <br>Ready for Review-Document Uploaded. - Seller-01/11/2023 <br>Open-The Final 1003 is Incomplete Page 2 of the final 1003 is on pg. 739. Page 1 of the Final 1003 is not included in the file. - Due Diligence Vendor-01/11/2023 | Ready for Review-Document Uploaded. - Seller-01/13/2023 <br>Ready for Review-Document Uploaded. - Seller-01/11/2023<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-01/17/2023<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.7724517374517375<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.38% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By XXXX Or More Months - Months Reserves Of XXXX Are Greater Than The Guideline Minimum Of 3 By XXXX Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXXX | 4350101051 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101074 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101072 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101071 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101077 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101073 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101081 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101094 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |
| XXXX | 4350101095 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101093 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| XXXX | 4350101082 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| XXXX | 4350101083 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |

---

## Exhibit 99.4

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| XXXX | 4350101019 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101084 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 4350100996 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101088 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100997 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101087 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| XXXX | 4350101036 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101006 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101085 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101037 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101079 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101089 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101090 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101086 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101015 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101039 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100988 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101038 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101029 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100986 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101020 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101017 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101021 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100998 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100992 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101009 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101014 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 4350101018 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101016 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101030 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | XXXX | .026 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | XXXX | .026 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101091 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100994 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101023 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101078 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101034 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101007 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100993 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | XXXX | .004 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101008 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 4350101001 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | XXXX | .004 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101022 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100987 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101005 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100991 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| XXXX | 4350100999 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101000 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101010 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100989 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101069 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100990 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101011 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | XXXX | .002 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | XXXX | .002 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101004 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101035 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101031 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101032 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |  |
| XXXX | 4350101002 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101025 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101024 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXX | 4350101040 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101026 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101033 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101080 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101092 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101042 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101044 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101046 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101027 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101012 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101045 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101013 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101028 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350100995 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101041 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101070 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | -.011 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101043 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | XXXX | .000 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101003 |  |  | xxx | xxx |  | xxx | xxx | xxx | xxx | XXXX | .002 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101052 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| XXXX | 4350101047 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101048 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101066 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101067 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101055 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101056 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101058 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101068 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101059 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101050 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101057 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | -.043 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101060 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101062 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101061 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101063 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101053 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101049 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101064 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101075 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101076 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101065 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101054 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 4350101051 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101074 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101072 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101071 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101077 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101073 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101081 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101094 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101095 |  |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | -.068 | xxx | Inadequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101093 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | XXXX | .000 | xxx | 1004 URAR |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101082 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101083 |  |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | XXXX | .000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.5**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 4350101084 | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | xxx | xxx |  |
| XXXX | 4350101087 | XXXX | Calculated DSCR | diligenceFinalLookPage | xxx | xxx |  |
| XXXX | 4350101090 | XXXX | Calculated DSCR | diligenceFinalLookPage | xxx | xxx |  |
| XXXX | 4350100992 | XXXX | Qualifying FICO | creditLiabilitiesPage | xxx | xxx |  |
| XXXX | 4350101014 | XXXX | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| XXXX | 4350100994 | XXXX | Calculated DSCR | diligenceFinalLookPage | xxx | xxx |  |
| XXXX | 4350101035 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| XXXX | 4350101033 | XXXX | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| XXXX | 4350101050 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| XXXX | 4350101063 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| XXXX | 4350101054 | XXXX | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| XXXX | 4350101095 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | xxx | xxx |  |
| XXXX | 4350101095 | XXXX | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |

---

## Exhibit 99.6

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.6**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third party due diligence provider, performed the review described below on behalf of its client, LSRMF3 Acquisitions Investments, LLC. The review included a total of 99 newly originated residential mortgage loans, in connection with the securitization identified as COLT 2023-1 (the "Securitization"). The Review was conducted from May 2022 through February 2023 on mortgage loans originated between April 2022 and February 2023.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Five (5) loans had a Secondary Appraisal, zero (0) loans had AVMs, and ninety-nine (99) loans had Desktop Reviews.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

Zero (0) loans had a Field Review or BPO, and four (4) loans had a Second Desk Review all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the ninety-nine (99) mortgage loans reviewed, thirty-nine (39) unique mortgage loans (39.39% by loan count) had a total of forty-seven (47) discrepancies across eight (8) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;MERS Number | &nbsp;&nbsp;14 | &nbsp;&nbsp;29.79% |
| &nbsp;&nbsp;Borrower First Time Buyer | &nbsp;&nbsp;8 | &nbsp;&nbsp;17.02% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.89% |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;6 | &nbsp;&nbsp;12.77% |
| &nbsp;&nbsp;Prepayment Penalty Duration | &nbsp;&nbsp;5 | &nbsp;&nbsp;10.64% |
| &nbsp;&nbsp;Original Collateral Value Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.38% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;Original Collateral Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |  |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;97 | &nbsp;&nbsp;$46335618.00 | &nbsp;&nbsp;97.98% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;2 | &nbsp;&nbsp;$829750.00 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;99 | &nbsp;&nbsp;$47165368.00 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;99 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;99 | &nbsp;&nbsp;100.00% |

---

---

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

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;99 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;99 | &nbsp;&nbsp;100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;76 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Credit Report Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note Document Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Underwriting CLTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification Level is missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***101*** |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;71 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;19 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TRID Monitor Timing of Disclosures Finding | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;TRID Post-Consummation Reason for Redisclosure Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Security Instrument Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;CHARM Booklet is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Originator NMLS is Not Active | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;Lender NMLS Status is Not Active | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp; A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***105*** |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;96 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;Purchase Contract does not Match Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;Property located in FEMA Declared Disaster Area with no subsequent Property Inspection | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;Appraisal guideline violation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;Origination Appraisal is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp; A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***100*** |

---

**Event Grade Definitions**

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

---

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.7

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.7**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Dummy ID** | **Upload Month** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| XXXX | 4350101176 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/07/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101176 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/07/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101176 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/07/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101163 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/23/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101163 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/24/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101163 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/23/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101112 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/08/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101112 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/08/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101112 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/08/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101113 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/01/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101113 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/01/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101113 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/01/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101126 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/01/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101126 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/01/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101126 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/01/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101096 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101096 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101096 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101140 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101140 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101140 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: File is missing evidence of wire funds for the cash to close in the amount of $ XXX. | Received anticipated in-coming wire dated XX/XX/XXXX signed by title company confirming a wire of $XXX was received along with a e-mail correspondence incoming wire notification from XXX to Title Company reflecting a wire transfer was sent on XX/XX/XXXX in the amount of $XXX from borrower's account. | XXXX | Exception Resolved. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101141 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/28/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101141 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/28/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101141 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101148 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101148 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101148 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/05/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101180 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/06/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101180 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/06/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101180 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/06/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101104 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/09/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101104 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/10/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101104 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/10/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101105 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/03/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101105 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101105 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101127 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/13/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101127 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/12/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101127 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/12/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101097 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/26/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101097 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/26/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101097 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/26/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101181 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/17/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101181 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/17/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101181 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 06/17/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101185 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/15/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101185 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/15/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101185 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/15/2022 | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial; 1008 states borrower is purchasing an additional property located at XXX after the closing of subject loan, However no Information listed in the REO was provided. | Client provided PITI documentation that was missing. ; 1008 states borrower is purchasing an additional property located at XXX after the closing of subject loan, However no Information listed in the REO was provided. | XXXX | Final Loan Application is Present | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101182 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| XXXX | 4350101182 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/28/2022 | Cleared | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX% is greater than the maximum allowable guideline LTV of XXX% based on a loan amount of $XXX. |  |  | Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Void- Guidelines did not change until after loan application date. Invalid exception. ; Original LTV of XXX adheres to the guideline maximum LTV of XXX. | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| XXXX | 4350101182 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/28/2022 | Cleared | Compliance | Lender NMLS Status is Not Active | The lender NMLS status is Not Active. XXX license expired XXX. |  |  | The lender NMLS status is Active; Change severity of 'Lender NMLS Status is Not Active' from Material to Non-Material. | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| XXXX | 4350101182 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 07/28/2022 | Cleared | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. |  |  | Void- Guidelines did not change until after loan application date. Invalid exception. ; Original CLTV of XXX adheres to the guideline maximum CLTV of XXX. | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years C A |
| XXXX | 4350101128 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101128 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/20/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101128 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/20/2022 | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Need COC XX/XX/XXXX discount points increased by $XXX from $XXX to $XXX. | Client provided coc for change in Discount Points. ; Need COC XX/XX/XXXX discount points increased by $XXX from $XXX to $XXX. | XXXX | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101128 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 07/20/2022 | Cleared | Compliance | Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.; Interest charged from XXX, XX/XX/XXXX. Loan disbursed XXX, XX/XX/XXXX. Only one additional day's interest can be charged during the week. XX/XX/XXXX; No additional documentation received for this. | Client provided PCCD to cure, which includes a credit on page 3 of CD for $XXX additional interest refund. ; Interest charged from Tuesday, XX/XX/XXXX. Loan disbursed XXX, XX/XX/XXXX. Only one additional day's interest can be charged during the week. XX/XX/XXXX; No additional documentation received for this. | XXXX | This loan passed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($XXX) does not exceed the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101186 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101186 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101186 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101183 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/25/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101183 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/25/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101183 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 08/25/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101106 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/14/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101106 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/14/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101106 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/14/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101130 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/08/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements met. | HPML compliant with guidelines; escrow established and appraisal received. |  | HPML loan with established escrows and appraisal requirements met. | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101130 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/08/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101130 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 09/08/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101114 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/08/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101114 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/08/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101107 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/28/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101107 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/28/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101107 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101142 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/11/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101142 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/11/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101142 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/11/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101115 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/04/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101115 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/04/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101115 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/04/2022 | Cleared | Credit | Note Document Indicator is Partial | Note Document Indicator is Partial | XX/XX/XXXX: Received Trailing docs; Please provide the signature page (3) to the Note. | XXXX | Note document indicator is Present; XX/XX/XXXX: Received full executed Note from client; Exception cleared. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101099 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/14/2022 | Cleared | Compliance | XXX Booklet is Missing | The XXX booklet is Missing | XX/XX/XXXX: Received LOE disputing XXX booklet exception since loan is for a second home. Exception cleared. | XXXX | The XXX booklet is Not Applicable | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101099 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/14/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101099 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 09/14/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101116 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/26/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101116 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/26/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101116 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/26/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101117 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/17/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101117 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/17/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101117 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/17/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101123 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/28/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101123 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/28/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101123 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101131 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/25/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; HPML loan with established escrow and appraisal received; Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML compliant with guidelines; escrow established and appraisal received. |  | HPML allowed per guidelines, confirmed compliant ; Escrow and appraisal requirements met | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101131 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/25/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101131 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/25/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101124 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/05/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Loan is HPML. Appraisal and escrow requirements have been met. | XXXX | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101124 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/05/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101124 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/05/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101100 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/07/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | HPML with established escrows and met appraisal requirements.; Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML compliant with guidelines; escrow established and appraisal received. |  | HPML Compliant with regulatory requirements, allowed per guidelines | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101100 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101100 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101125 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/03/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101125 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/04/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101125 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/04/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101118 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101118 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101118 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/19/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101119 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/13/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101119 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/14/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101101 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/02/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. <br> Per guidelines the borrower is permitted to have maximum 20 financed property including subject property. However, the following properties; XXX.; XXX (XXX); XXX; (XXX), XXX; are missing a homeowner's insurance policy with no lien holder. The homeowner's insurance provided reflect the properties have a lien against the property as a mortgagee is listed on the policy and these properties would exceed the 20 maximum finance property permitted. | Rcvd email rebuttal from Client UW stating XXX of the properties are owned by business. Adding the XXX towards the XXX maximum financed properties, meets maximum as a total of XXX properties borrower owns are financed. | XXXX | Borrower liabilities verified indicator is Present | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101101 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/02/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101101 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/02/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. ; Property and valuations related findings were not identified on the loan. |  |  | The exception 'No Property Findings' is cleared. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101102 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. A |
| XXXX | 4350101102 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. A |
| XXXX | 4350101102 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. A |
| XXXX | 4350101103 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/13/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML compliant with guidelines; escrow established and appraisal received. | XXXX | HPML Compliant with regulatory requirements, allowed per guidelines | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101103 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/14/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101103 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/14/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101143 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/27/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101143 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/27/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101143 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 10/27/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101132 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/03/2022 | Cleared | Credit | Borrower Income Verification does not match Approval |  | Received income worksheet of the bank statement calculation and email correspondence. Guidelines state that not all pages of bank statements are required when utilizing personal bank statements on an Alt Doc program. All pages of a bank statement are required when deposits show more than a XXX% increase from average monthly deposits during the 12-month period being utilized. The months that included all pages because of the XXX% variance, were for XXX and XXX of XXX and XXX. No other months between XXX to XXXhad more than a XXX% variance increase vs. average monthly deposits. Therefore, all bank statements provided meet guideline requirements and bank statements that only have the first page do not require additional pages of that bank statement to be utilized. ; XXX bank statements XXX through and including XXX only include the first page of the borrower's statement. Although the personal bank statement program for Alt Doc states it may not require all pages according to page 23 of the guidelines, after analyzing the complete statements that were provided for XXX, there were deposits and transfers that were ineligible and had to be excluded and therefore, this requires that we will need to be able to analyze lthe rest of the statements, all pages, to determine if all the deposits are eligible to be used to qualify the borrower, per the guidelines.;<br> Please send XXX statements, all pages for XXX up to and including XXX. | XXXX | The borrower income verification does match approval. Exception Resolved. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101132 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/03/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101132 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/03/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101120 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101120 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101120 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101133 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/21/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Appraisal Waiver in file(not acknowledged by borrower) HPML appraisal requirements not met; Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | Change status of 'Higher-Priced Mortgage Loan' from Active to Cured Post Close.;<br> Cleared Exception; Acknowledgement of appraisal received in file; Change status of 'Higher-Priced Mortgage Loan' from Cured Post Close to Active.;<br> Active - HPML requirements not met. Pending Acknowledgment that borrower received a copy of the appraisal. ; Change status of 'Higher-Priced Mortgage Loan' from Active to Cured Post Close.;<br> HPML moved to Cured Post Close Status. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101133 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/21/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101133 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/21/2022 | Cleared | Credit | Fraud Report Missing | Fraud report Missing.; Missing Fraud report from file, Please provide. | Client provided trailing documents | XXXX | Client provided trailing documents; complete Fraud report free of uncleared alerts. ; Fraud report Present.; Client provided trailing documents. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101133 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/21/2022 | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Final 1003 - Current Employment/Self Employment and income section: Missing Start date and How long in this line of work Yrs/Months. CPA letter in file does not provide this information. | Client provided trailing documents | XXXX | client provided trailing docs; Final 1003. ; Final Loan Application is Present | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101134 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/31/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; HPML with established escrows and met appraisal requirements.; Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML Compliant with regulatory requirements, allowed per guidelines | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101134 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/31/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101134 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/31/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101187 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/04/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101187 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/04/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101187 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 11/04/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101157 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/11/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | HPML allowed per guidelines, confirmed compliant |  | HPML compliant loan. Escrow and appraisal requirements met. | XXXX | Calculated DTI is Less than the Guideline Maximum - Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101157 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/11/2022 | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | XX/XX/XXXX - Client rebuttal/trailing - Received HOI and an email correspondence explaining the replacement cost reflected on the policy. Policy reflects replacement cost loss settlement on dwelling is up to Coverage A amount which is $XXX,XXX. However, when and if damages of a building are present the insurance company will pay for all damages within the building no higher than XXX% of the Loss Settlement. Therefore, to take a conservative approach, not using XXX% even though policy reflects up to, using XX% of coverage, which is still sufficient coverage of the property. |  | Hazard insurance coverage is sufficient. Exception Resolved. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101157 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/11/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | The exception 'No Property Findings' is cleared. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101135 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101135 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101135 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101158 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/28/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101158 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101158 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/28/2022 | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Loan file is missing verification of the business within 30 days of the Note date by providing either a letter from a CPA certifying at least 18 months of self-employment in the same business or from a regulatory agency/licensing bureau along with either a phone listing and/or business address using directory assistance or internet search.; Client provided trailing docs |  | XXXX | Client provided trailing docs - CPA dated XX/XX/XXXX, less than 10 days from the Note date of XX/XX/XXXX. Exception cleared | XXXX | Calculated DTI is Less than the Guideline Maximum - Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101121 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/01/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101121 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/02/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101121 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/02/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101144 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A C |
| XXXX | 4350101144 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A C |
| XXXX | 4350101144 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. XXX Exchange agreement in file reflects a property included in settlement for land in XXX (parcel # ending in XXX). File is missing supporting documentation that this property is free and clear and provide proof of current taxes for calculation of reserves. Additional conditions may apply. |  | XXXX | Borrower liabilities verified indicator is Present. Exception Resolved. | XXXX | Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A C |
| XXXX | 4350101139 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/05/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | XXXX | HPML with established escrows and appraisal requirements met. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101139 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/05/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101139 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/05/2022 | Cleared | Credit | Borrower Employment Verification Level is missing | The borrower employment verification level is Missing; Missing proof of at least XXX% business ownership in file. No CPA letter in file. VOI indicates only one "Manager" with no further breakdown of ownership.; QC review - Client provided trailing docs to support ownership at XXX%; Exception cleared | Change status of 'Borrower Employment Verification Level is missing' from Active to Open Rebuttal.;<br> QC review - Client provided trailing docs to support ownership at XXX%; Exception cleared; Missing proof of at least XXX% business ownership in file. No CPA letter in file. VOI indicates only one "Manager" with no further breakdown of ownership. | XXXX | The borrower employment verification level is Level 2 - Stated/not verified; QC review - Client provided trailing docs to support ownership at XXX%; Exception cleared | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101159 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/28/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML Loan with established escrows and appraisal requirements met. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101159 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/28/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101159 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/28/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101160 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/05/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | XXXX | HPML with established escrows and met appraisal requirements. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101160 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/05/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101160 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/05/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101149 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| XXXX | 4350101149 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| XXXX | 4350101149 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| XXXX | 4350101161 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/29/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101161 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/29/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101161 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/29/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101136 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101136 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: File is missing supporting documentation that the borrower was cleared via XXX. |  |  | Alerts from Fraud Report have been cleared. Exception Resolved. | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101136 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. File is missing the business bank statement dated XX/XX/XXXX account # ending in #XXX to support qualified deposits of $XXX. (No bank statements for acct ending in #XXX were found in the image file that were noted to be reviewed by lender per page XXX). Additional conditions may apply. |  |  | The borrower income verification does match approval. Received bank statement ending in XXX for business XXX., which supports income calculation and monthly income utilized. Exception Resolved. | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101136 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/22/2022 | Cleared | Compliance | Originator NMLS is Not Active | The originator NMLS status is Not Active. NMLS does not reflect the origination broker has a current license reported to do business in XXX the data base reflects license was current through XXX. Provide updated license for broker through XXX. |  |  | The originator NMLS status is Active. Exception Resolved. | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101175 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/07/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101175 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/07/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101175 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/07/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101108 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101108 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101108 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101153 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/13/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101153 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/13/2022 | Cleared | Credit | Borrower Income Verification does not match Approval | Missing documentation for net rental income for property located at XXX. | Client provided Trailing docs | XXXX | XX/XX/XXXX: Rcvd updated approval including entire PITI for property in total DTI calculation, DTI still within guideline maximum. No other documentation need. Exception Resolved; The borrower income verification does match approval. Loan file is missing documentation of receipt of rental income for XXX as required per XXX for Business Bank Statement Program. Lender used net income for qualifying all other monthly payments iao $XXX on 1008. Need evidence of receipt of rents and current lease. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101153 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/13/2022 | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; Title Courier fee increased from $XXX to $XXX, Title Endorsement Fee increased from $XXX to $XXX. Service Provides list in the file list provider information as TBD. Since Service Providers List is not compliant, therefore tested title fees as zero tolerance fees. No COC in file for the increases found.<br>Please provide valid Service Providers list, COC, or Post Close CD with copy of refund check - LOX and proof of delivery to the borrower. | Client provided Trailing docs | XXXX | XX/XX/XXXX: Client provided PCCD; This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested. Exception Resolved. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101153 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/13/2022 | Cleared | Compliance | Charges That Cannot Increase Test | Title Courier fee increased from $XXX to $XXX, Title Endorsement Fee increased from $XXX to $XXX. Service Provides list in the file list provider information as TBD. Since Service Providers List is not compliant, therefore tested title fees as zero tolerance fees. No COC in file for the increases found.<br>Please provide valid Service Providers list, COC, or Post Close CD with copy of refund check - LOX and proof of delivery to the borrower.; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Client provided Trailing docs | XXXX | XX/XX/XXXX: Client provided PCCD; This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Exception Resolved. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101153 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/13/2022 | Cleared | Compliance | Reimbursement Amount Test | Title Courier fee increased from $XXX to $XXX, Title Endorsement Fee increased from XXXX to $XXX. Service Provides list in the file list provider information as TBD. Since Service Providers List is not compliant, therefore tested title fees as zero tolerance fees. No COC in file for the increases found.<br>Please provide valid Service Providers list, COC, or Post Close CD with copy of refund check - LOX and proof of delivery to the borrower.; This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | Client provided Trailing docs | XXXX | XX/XX/XXXX: Client provided PCCD; This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. Exception Resolved. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101145 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. A |
| XXXX | 4350101145 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. A |
| XXXX | 4350101145 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/22/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. A |
| XXXX | 4350101154 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/07/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant | XXXX | HPML with established escrows and appraisal requirements met. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101154 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/06/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101154 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/07/2022 | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial. Final loan application reflects the borrower is a XXX. However, per XXXX fraud report , borrower had ownership interest on property located at XXX- purchased XXX and sold in XXX, less than 3 years ago. |  |  | Final Loan Application is Present | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101150 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/16/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101150 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/16/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101150 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/16/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101188 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101188 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101188 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/29/2022 | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. File is missing XXX VOM for the primary home. Credit reflects 1 month of payment history on the recently opened mortgage dated XX/XX/XXXX. Provide supporting evidence the primary was owned free and clear (CD from recent refi) or XXX as noted on lender approval and required per guidelines. | Received final CD for primary residence, which closed on XX/XX/XXXX. The borrower completed a cash-out refinance on primary and paid off debt. The final CD confirms the borrower did not have a prior mortgage on primary residence, it was free and clear prior to this this transaction. Therefore, a 12-month VOM is not required on primary as borrower recently obtained mortgage. | XXXX | Housing delinquency meets guidelines. Exception Resolved. | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101162 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/07/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101162 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/07/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101162 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/07/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101151 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101151 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101151 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/19/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101098 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/04/2023 | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Lender to provide all pages of the business bank statements reflecting monthly deposits to cover the full calendar month. For account ending in #XXX provide XXX,XXX,XXX,XXX,XXX,XXX and XXX and all of XXX. For account ending in # XXX provide XXX,XXX,XXX,XXX,XXX,XXX and XXX and all of XXX. For acct ending in #XXX provide all of XXX,XXX,XXX,XXX,XXX and XXX. Multiple deposits were excluded from calculation each month. However, unable to determine these deposits and verify calculated income.; After a re-review of the guidelines and bank statements, it is confirmed deposits did not deviate from the baseline and all deposits that were transfers or outside deposit pattern were also excluded. | Received an email correspondence stating per guidelines, no all pages of bank statements are required because the deposits did not deviate more than the baseline as required per the program guidelines. Page 1 of the months discloses some account transfers within the initial deposits listed. Account transfers are not eligible deposits so they were excluded from the income calculation. Any large deposits outside of the normal deposit pattern which was also located on page 1 were also excluded as they were not sourced accordingly. ; After a re-review of the guidelines and bank statements, it is confirmed deposits did not deviate from the baseline and all deposits that were transfers or outside deposit pattern were also excluded. | XXXX | The borrower income verification does match approval. Exception Resolved. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101098 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/04/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101098 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/04/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101146 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/21/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101146 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/21/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101146 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/21/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101109 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/30/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101109 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/30/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101109 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 12/30/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101110 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/04/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A C |
| XXXX | 4350101110 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/04/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A C |
| XXXX | 4350101110 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/04/2023 | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial. Initial 1003 reflects borrower owns 4 other REO properties. Missing a complete final signed 1003 reflected all REO properties listed. Subject to additional reserve requirements. | Received updated URLA. | XXXX | Final Loan Application is Present. Exception Resolved. | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A C |
| XXXX | 4350101110 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/04/2023 | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Fraud report indicated borrower had concurrent application for another loan transaction for property located on XXX. This property was listed as owned on initial 1003, lender to provide details of transaction. Subject to additional reserve required. | Received updated URLA reflecting property XXX disclosed in REO section. Also, reserves for XXX months had already been verified, and per guidelines reserve requirements is not to exceed twelve months. | XXXX | 12 months reserves verified, which is maximum required. Exception Resolved. | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A C |
| XXXX | 4350101137 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/04/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant. | XXXX | HPML established escrows and appraisal requirements met. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101137 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/04/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101137 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/04/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101164 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/16/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101164 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/16/2023 | Cleared | Compliance | Security Instrument Indicator is Partial | The security instrument indicator is Partial. Mortgage document reflects the vesting as "A Married XXX" however the final 1003 and lender communication including a death certificate indicates the borrower is " an Unmarried XXX" for vesting purposes. | Received updated DOT reflecting correct XXX. | XXXX | The security instrument indicator is Present. Exception Resolved. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101164 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/16/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A |
| XXXX | 4350101138 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XX/XX/XXXX | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more. | HPML allowed per guidelines, confirmed compliant |  | HPML with established escrow and appraisal requirements met. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101138 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/20/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101138 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/20/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101166 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/24/2023 | Cleared | Property | Appraisal guideline violation | Appraisal guideline violation: Subject is in a declining property value area per current housing trends as reflected on appraisal dated XX/XX/XXXX. | Received email from lender, property is located in a declining market however the LTV maximum is XXX%, which is a XXX% reduction from maximum LTV of XXX%. But the LTV was approved at XXX%, therefore this does not pose an issue, as LTV was approved at a much lower amount and was not necessary to decrease LTV XXX%. | XXXX | Appraisal guideline violation is now acceptable. Exception Resolved. | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101166 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/24/2023 | Cleared | Property | Property located in FEMA Declared Disaster Area with no subsequent Property Inspection | Property located in FEMA Declared Disaster Area with no subsequent Property Inspection. FEMA declared XXX in a disaster area due to flooding on XX/XX/XXXX, with no a release date. The appraisal in file was completed XX/XX/XXXX prior to the disaster declared date. A Post Disaster Inspection is required. | Received PDI with photos, dated XX/XX/XXXX reflecting no damages. Appraiser confirmed there are no apparent neighborhood or subject property damages that negatively impact marketability from the open declared disaster in XXX. | XXXX | Post Disaster Inspection provided. Exception Resolved. | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101166 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/24/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101166 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/24/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101155 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/23/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Loan with established escrows and appraisal requirements met. | HPML allowed per guidelines, confirmed compliant | XXXX | HPML with established escrows and appraisal requirements met. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101155 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/23/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101155 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/23/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101155 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 12/23/2022 | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; initial CD provided as a trailing document; The initial CD issued XX/XX/XXXX, per the disclosure tracking summary, is missing from the file. Provide for testing. | Client provided trailing docs - ICD |  | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101178 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/05/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101178 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/05/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101178 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/05/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101167 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101167 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101167 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101152 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/04/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| XXXX | 4350101152 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/04/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| XXXX | 4350101152 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/04/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| XXXX | 4350101147 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/07/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101147 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/07/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101147 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/07/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101189 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/06/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A C |
| XXXX | 4350101189 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/06/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A C |
| XXXX | 4350101189 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/06/2023 | Cleared | Credit | Borrower Credit Report Indicator is Partial | Lender used non-traditional credit to qualify borrower. However, the vehicle lease agreement document provided is dated XX/XX/XXXXand does not show history of payment to identify lates in the past 12 months. Please provide credit reference dated within 120 days of Note. | Received Vehicle Lease Agreement with 12 month most recent bank statements XXX to XX/XX/XXXX reflecting monthly payment of $XXX was XXX out of borrower's account on the XXX or XXX of each month depending on holiday and weekends. Late payment paid was on XX/XX/XXXX. | XXXX | Borrower credit report indicator is Present. Exception Resolved. | XXXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A C |
| XXXX | 4350101156 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/10/2023 | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Per Disclosure Tracking Summary Initial CD XX/XX/XXXX missing from file | Client provided Initial CD |  | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101156 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/10/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101156 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/10/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101165 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101165 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101165 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/20/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101177 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | ReviewComplete | 01/19/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101177 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | ReviewComplete | 01/19/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101177 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | ReviewComplete | 01/19/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101169 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Borrower has 6 months housing history reported on Credit report, no supporting documentations for past rental history in file.<br> {Per guidelines, Mortgage/rental history is required for all programs. If a borrower's mortgage or rental history is not reported on the credit report, alternative documentation showing the most recent 12-month history must be provided}. | QC 2nd look | XXXX | Housing delinquency meets guidelines. Credit report reflects mortgage history continuous for 12 months + with no lates. Exception is cleared. | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101169 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML allowed per guidelines, confirmed compliant and downgraded | XXXX | HPML allowed per guidelines, confirmed compliant and downgraded | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101169 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101179 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/18/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101179 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/18/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101179 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/18/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101190 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/15/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101190 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/15/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101190 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/15/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101111 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/10/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101111 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/10/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101111 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/10/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101170 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/24/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML allowed per guidelines, confirmed compliant | XXXX | HPML allowed per guidelines, confirmed compliant | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101170 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/24/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101170 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/24/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101171 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/20/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML allowed per guidelines, confirmed compliant | XXXX | HPML allowed per guidelines, confirmed compliant | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101171 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/20/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101171 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/20/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101191 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/07/2023 | Cleared | Property | Purchase Contract does not Match Appraisal | The Appraisal does not reflect the correct sales price when compared to the Purchase Contract. Purchase price was changed from $XXX to $XXX with an addendum in file. Appraisal has $XXXas purchase price.; Received updated Appraisal reflecting correct purchase price and updated SSRs. | Received a rebuttal email from lender stating the Appraisal was complete don XX/XX/XXXX and sales price was not updated until XX/XX/XXXX per addendum. However, the Appraiser did not sign the Appraisal until XX/XX/XXXX which is when the report was completed and should have had the updated sales price. Exception Remains.; Received updated Appraisal reflecting correct purchase price and updated SSRs. | XXXX | The Appraisal does reflect the correct sales price when compared to the Purchase Contract. Exception Resolved. | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101191 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/07/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101191 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/07/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101172 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101172 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101172 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101173 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101173 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101173 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101174 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete | PCCD received reflecting the proceeds from the sale of the departing residence. The FSS for the sale is also in loan file. | XXXX | Exception Resolved. | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101174 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML with established escrow and met appraisal requirements | HPML allowed per guidelines, confirmed compliant and downgraded | XXXX |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101174 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101174 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 01/27/2023 | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Bank statements dated XX/XX/XXXX for borrower's business ending in acct # XXX reflect 2 larger than normal deposits from XXX ($XXX and $XXX) Borrower to provide supporting evidence these XXX Deposits were business related, they are not recurring on prior bank statements provided. Additional conditions may XXX | Received LOE signed by the borrower stating the source of the abnormal non-typical deposits from XXX were from an insurance claim for damage of business property. Therefore, deposits are allowed to be utilized towards total income calculation. | XXXX | The borrower income verification does match approval. Exception Resolved. | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101168 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/25/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101168 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/25/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101168 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 01/25/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101184 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/14/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101184 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/14/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101184 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/14/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A |
| XXXX | 4350101192 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/10/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101192 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/10/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101192 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 02/10/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101194 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 02/15/2023 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101194 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 02/15/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101194 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 02/15/2023 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101122 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/06/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101122 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 05/06/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A |
| XXXX | 4350101193 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 02/17/2023 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with established escrow and appraisal requirements met | HPML is compliant and allowed per guidelines, therefore, downgraded to grade A | XXXX |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101193 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 02/23/2023 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101193 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 02/17/2023 | Cleared | Property | Origination Appraisal is Partial | Property information discrepancy on appraisal documents in file. Lender provided two copies of appraisal and property type on older appraisal dated XX/XX/XXXX is PUD while the more recent copy dated XX/XX/XXXX does not have PUD indicated. Other documents in file shows property is a PUD. | Received updated Appraisal and SSR reflecting property is a PUD. | XXXX | Origination appraisal is Present. Exception Resolved. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A |
| XXXX | 4350101129 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings: The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either: The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; or The loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML Compliant loan; confirmed appraisal delivery/escrow requirements met. | HPML Compliant loan - escrow and appraisal requirement met; HPML Compliant loan - escrow and appraisal requirement met | XXXX |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101129 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101129 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101129 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/17/2022 | Cleared | Compliance | TRID Post-Consummation Reason for Redisclosure Validation Test | This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. |  |  | This compliance test 'TRID Post-Consummation Reason for Redisclosure Validation Test' is no longer tested | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101129 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; Lender added title fee to section B paid to same provider as title fees located in section C, borrower did not acknowledge this CD till after consummation. Please correct fee to section C with a PCCD. | XX/XX/XXXX: Client provided COC for $XXX Electronic Recording fee addition to cure. ; Lender added title fee to section B paid to same provider as title fees located in section C, borrower did not acknowledge this CD till after consummation. Please correct fee to section C with a PCCD. | XXXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101129 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; An Electronic Recording fee of $XXX was added on XX/XX/XXXX CD. Please provide valid COC or cure of $XXX with PCCD,check and proof of mailing provided.; Lender added title fee to section B paid to same provider as title fees located in section C, borrower did not acknowledge this CD until after consummation. The payee for this fee was not listed on the WLP. Please provide a XXX with cure. ; Title Recording fee added without a valid change of circumstance. | XX/XX/XXXX: Client provided COC for $XXX Electronic Recording fee addition to cure. ; An Electronic Recording fee of $XXX was added on XX/XX/XXXX CD. Please provide valid COC or cure of $XXX with PCCD,check and proof of mailing provided.; Lender added title fee to section B paid to same provider as title fees located in section C, borrower did not acknowledge this CD until after consummation. The payee for this fee was not listed on the XXX. Please provide a PCCD with cure. ; Title Recording fee added without a valid change of circumstance. | XXXX | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101129 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $0.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation.; An Electronic Recording fee of $XXX was added on XX/XX/XXXX CD. Please provide valid COC or cure of$XXX with PCCD,check and proof of mailing provided.; Lender added title fee to section B paid to same provider as title fees located in section C, borrower did not acknowledge this CD till after consummation. Please correct fee to section C with a PCCD. | XX/XX/XXXX: Client provided COC for $XXX Electronic Recording fee addition to cure. ; An Electronic Recording fee of $XXX was added on XX/XX/XXXX CD. Please provide valid COC or cure of$XXX with PCCD,check and proof of mailing provided.; Lender added title fee to section B paid to same provider as title fees located in section C, borrower did not acknowledge this CD till after consummation. Please correct fee to section C with a PCCD. | XXXX | This loan passed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| XXXX | 4350101129 | XX/XX/XXXX | XXXXX | XXX | XXXXX | XX/XX/XXXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 08/03/2022 | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding. This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report. While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XX/XX/XXXX: Client provided COC for $XXX Electronic Recording fee addition to cure. | XXXX | TRID Monitor Timing of Disclosures Finding. This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report. While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |

---

## Exhibit 99.8

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.8**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Dummy ID** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| XXXX | 4350101176 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101163 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101140 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101141 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101148 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101180 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101185 |  | XXXXX | $XXXXXX D C A |
| XXXX | 4350101182 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101128 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101129 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101186 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101183 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101142 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101101 |  | XXXXX | $XXXXXX D C A |
| XXXX | 4350101121 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101144 |  | XXXXX | $XXXXXX D C A |
| XXXX | 4350101139 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101160 |  | XXXXX | $XXXXXX A C B |
| XXXX | 4350101149 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101175 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101108 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101153 |  | XXXXX | $XXXXXX C A B |
| XXXX | 4350101145 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101154 |  | XXXXX | $XXXXXX D C A |
| XXXX | 4350101150 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101188 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101162 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101151 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101098 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101146 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101109 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101110 |  | XXXXX | $XXXXXX D C A |
| XXXX | 4350101137 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101164 |  | XXXXX | $XXXXXX A D C |
| XXXX | 4350101138 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101166 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101155 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101178 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101167 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101152 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101147 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101189 |  | XXXXX | $XXXXXX D C A |
| XXXX | 4350101156 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101165 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101177 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101169 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101179 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101190 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101111 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101170 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101171 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101191 |  | XXXXX | $XXXXXX A B |
| XXXX | 4350101172 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101173 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101174 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101168 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101193 |  | XXXXX | $XXXXXX A C D |
| XXXX | 4350101184 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101192 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101194 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101112 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101113 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101126 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101096 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101104 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101105 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101127 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101097 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101181 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101106 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101130 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101114 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101107 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101115 |  | XXXXX | $XXXXXX D C A |
| XXXX | 4350101099 |  | XXXXX | $XXXXXX A B |
| XXXX | 4350101116 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101117 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101123 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101131 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101124 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101100 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101125 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101118 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101119 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101102 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101103 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101143 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101132 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101120 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101133 |  | XXXXX | $XXXXXX D C A |
| XXXX | 4350101134 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101187 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101157 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101135 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101158 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101159 |  | XXXXX | $XXXXXX A C |
| XXXX | 4350101161 |  | XXXXX | $XXXXXX A |
| XXXX | 4350101136 |  | XXXXX | $XXXXXX C A |
| XXXX | 4350101122 |  | XXXXX | $XXXXXX A |

---

## Exhibit 99.9

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.9**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Dummy ID** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| XXXX | 4350101176 |  | XXXXX | $XXXXXX | $XXX | $XXX | 72.81% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| XXXX | 4350101163 |  | XXXXX | $XXXXXX |  | $XXX | 53.57% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101112 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XXXX | 4350101113 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XXXX | 4350101126 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% | XX/XX/XXXX | $XXX | XXXX | 1.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| XXXX | 4350101096 |  | XXXXX | $XXXXXX |  | $XXX | 63.44% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| XXXX | 4350101140 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101141 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101148 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101180 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101104 |  | XXXXX | $XXXXXX |  | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| XXXX | 4350101105 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | Not Eligible |
| XXXX | 4350101127 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| XXXX | 4350101097 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| XXXX | 4350101181 |  | XXXXX | $XXXXXX |  | $XXX | 18.5% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| XXXX | 4350101185 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XXXX | 4350101182 |  | XXXXX | $XXXXXX |  | $XXX | 69.31% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101128 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| XXXX | 4350101129 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101186 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| XXXX | 4350101183 |  | XXXXX | $XXXXXX |  | $XXX | 55.21% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101106 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| XXXX | 4350101130 |  | XXXXX | $XXXXXX | $XXX | $XXX | 74.91% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XXXX | 4350101114 |  | XXXXX | $XXXXXX |  | $XXX | 61.93% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101107 |  | XXXXX | $XXXXXX |  | $XXX | 54.44% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| XXXX | 4350101142 |  | XXXXX | $XXXXXX |  | $XXX | 51.33% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XXXX | 4350101115 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Not Eligible |
| XXXX | 4350101099 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | Not Eligible |
| XXXX | 4350101116 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| XXXX | 4350101117 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XXXX | 4350101123 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101131 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101124 |  | XXXXX | $XXXXXX | $XXX | $XXX | 68.29% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | Not Eligible |
| XXXX | 4350101100 |  | XXXXX | $XXXXXX |  | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| XXXX | 4350101125 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101118 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101119 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | Not Eligible |
| XXXX | 4350101101 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| XXXX | 4350101102 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| XXXX | 4350101103 |  | XXXXX | $XXXXXX |  | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |
| XXXX | 4350101143 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101132 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| XXXX | 4350101120 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| XXXX | 4350101133 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| XXXX | 4350101134 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| XXXX | 4350101187 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XXXX | 4350101157 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XXXX | 4350101135 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.19% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| XXXX | 4350101158 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| XXXX | 4350101121 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| XXXX | 4350101144 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101139 |  | XXXXX | $XXXXXX |  | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| XXXX | 4350101159 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| XXXX | 4350101160 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| XXXX | 4350101149 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101161 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| XXXX | 4350101136 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | Not Eligible |
| XXXX | 4350101175 |  | XXXXX | $XXXXXX |  | $XXX | 29.9% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101108 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Not Eligible |
| XXXX | 4350101153 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | Not Eligible |
| XXXX | 4350101145 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| XXXX | 4350101154 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101150 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| XXXX | 4350101188 |  | XXXXX | $XXXXXX | $XXX | $XXX | 47.92% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| XXXX | 4350101162 |  | XXXXX | $XXXXXX | $XXX | $XXX | 68.22% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101151 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101098 |  | XXXXX | $XXXXXX |  | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% | XX/XX/XXXX | $XXX | XXXX | 2.7% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | Not Eligible |
| XXXX | 4350101146 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| XXXX | 4350101109 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101110 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101137 |  | XXXXX | $XXXXXX |  | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101164 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| XXXX | 4350101138 |  | XXXXX | $XXXXXX |  | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101166 |  | XXXXX | $XXXXXX |  | $XXX | 30% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101155 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| XXXX | 4350101178 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101167 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| XXXX | 4350101152 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| XXXX | 4350101147 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| XXXX | 4350101189 |  | XXXXX | $XXXXXX | $XXX | $XXX | 61.53% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101156 |  | XXXXX | $XXXXXX | $XXX | $XXX | 42.86% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| XXXX | 4350101165 |  | XXXXX | $XXXXXX |  | $XXX | 33.44% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| XXXX | 4350101177 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101169 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Not Eligible |
| XXXX | 4350101179 |  | XXXXX | $XXXXXX | $XXX | $XXX | 49.87% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | 4350101190 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| XXXX | 4350101111 |  | XXXXX | $XXXXXX | $XXX | $XXX | 50% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| XXXX | 4350101170 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| XXXX | 4350101171 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XXXX | 4350101191 |  | XXXXX | $XXXXXX | $XXX | $XXX | 64.96% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XXXX | 4350101172 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| XXXX | 4350101173 |  | XXXXX | $XXXXXX | $XXX | $XXX | 74.98% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| XXXX | 4350101174 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| XXXX | 4350101168 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| XXXX | 4350101193 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.59% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| XXXX | 4350101184 |  | XXXXX | $XXXXXX |  | $XXX | 65% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| XXXX | 4350101192 |  | XXXXX | $XXXXXX | $XXX | $XXX | 36.53% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Not Eligible |
| XXXX | 4350101194 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | Form 1073 | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| XXXX | 4350101122 |  | XXXXX | $XXXXXX | $XXX | $XXX | 84% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | XXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |

---

## Exhibit 99.10

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.10**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Account Number** | **Dummy ID** | **Field ID** | **Original Field Value** | **Audit Value** |
| XXXX | 4350101113 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 4350101096 | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 4350101105 | Channel | Retail | Correspondent Bulk |
| XXXX | 4350101128 | UW_FICO_Utilized | XXX | XXX |
| XXXX | 4350101186 | Prepayment_Penalty_Duration | XXX | XXX |
| XXXX | 4350101183 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 4350101183 | Prepayment_Penalty_Duration | XXX | XXX |
| XXXX | 4350101114 | Prepayment_Penalty_Duration | XXX | XXX |
| XXXX | 4350101107 | Prepayment_Penalty_Duration | XXX | XXX |
| XXXX | 4350101115 | MERS_Number | XXX | XXX |
| XXXX | 4350101099 | Prepayment_Penalty_Duration | XXX | XXX |
| XXXX | 4350101116 | MERS_Number | XXX | XXX |
| XXXX | 4350101117 | MERS_Number | XXX | XXX |
| XXXX | 4350101123 | Borrower_First_Time_Buyer | N | Yes |
| XXXX | 4350101131 | Borrower_First_Time_Buyer | N | Yes |
| XXXX | 4350101131 | MERS_Number | XXX | XXX |
| XXXX | 4350101124 | MERS_Number | XXX | XXX |
| XXXX | 4350101100 | All_Borrower_Total_Income | XXX | XXX |
| XXXX | 4350101100 | MERS_Number | XXX | XXX |
| XXXX | 4350101125 | Borrower_First_Time_Buyer | N | Yes |
| XXXX | 4350101118 | MERS_Number | XXX | XXX |
| XXXX | 4350101119 | MERS_Number | XXX | XXX |
| XXXX | 4350101101 | Original_Collateral_Value | XXX | XXX |
| XXXX | 4350101102 | MERS_Number | XXX | XXX |
| XXXX | 4350101103 | MERS_Number | XXX | XXX |
| XXXX | 4350101143 | MERS_Number | XXX | XXX |
| XXXX | 4350101132 | Borrower_First_Time_Buyer | N | Yes |
| XXXX | 4350101132 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 4350101133 | MERS_Number | XXX | XXX |
| XXXX | 4350101134 | MERS_Number | XXX | XXX |
| XXXX | 4350101135 | Sales_Price | XXX | XXX |
| XXXX | 4350101161 | All_Borrower_Total_Income | XXX | XXX |
| XXXX | 4350101136 | Original_Collateral_Value | XXX | XXX |
| XXXX | 4350101136 | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 4350101108 | Borrower_First_Time_Buyer | Y | No |
| XXXX | 4350101154 | Borrower_First_Time_Buyer | Y | No |
| XXXX | 4350101098 | All_Borrower_Total_Income | XXX | XXX |
| XXXX | 4350101109 | Borrower_First_Time_Buyer | Y | No |
| XXXX | 4350101189 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 4350101156 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 4350101156 | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 4350101179 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 4350101179 | MERS_Number | XXX | XXX |
| XXXX | 4350101170 | All_Borrower_Total_Income | XXX | XXX |
| XXXX | 4350101170 | Sales_Price | XXX | XXX |
| XXXX | 4350101171 | All_Borrower_Total_Income | XXX | XXX |
| XXXX | 4350101172 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 4350101173 | Borrower_First_Time_Buyer | N | Yes |
| XXXX | 4350101174 | All_Borrower_Total_Income | XXX | XXX |

---

## Exhibit 99.11

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.11**

![](ex9911001.jpg)

Executive Summary<br> COLT 2023-1

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

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of Northpointe Bank (the "Client"). The loans were originated by 31 Sellers and acquired directly (or indirectly) by LSRMF3 Acquisitions Investments, LLC through a Reliance Letter. The loan reviews were conducted from August 2022 through February 2023 by CRES.

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

There were 67 assets in the loan population.

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Criteria dated April 18, 2022 |

---

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

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

The due diligence review was conducted on 100% of the loan population and consisted of 67 mortgage loans with an aggregate original principal balance of approximately $31,801,869. The mortgage loans were originated from August 22, 2022, to February 9, 2023, by 31 sellers.

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

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

Page 1 of 10

**Credit Review and Methodology**

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

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

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

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

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

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

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

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

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

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

Page 2 of 10

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

**Property Valuation Review and Methodology**

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

A Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or an enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from a client approved AMC is required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from a client approved AMC is acceptable. The source of the Appraisal Review Product may not be the same AMC used for the appraisal. If the Collateral Underwriter Risk Score was 2.5 or below an additional valuation product was not required. If the Collateral Underwriter Risk Score is greater than 2.5 an enhanced desk review product was also required. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, sellers may include an enhanced desk review product from a Client approved AMC. All ARR or CDA documentation provided by a client approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

For loans that did not maintain an acceptable enhanced desk review product, CRES ordered an Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) from various Appraisal Management Companies for valuation support. All loans outside of a 10% variance from the original appraised value were identified and communicated to the Client.

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

**Compliance Review Methodology (Consumer Loans)**

CRES reviews on 45 consumer loans included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's) and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees, provides a fee tolerance comparison across all LE's and CD's.

Page 3 of 10

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

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

Qualified Mortgage (12 CFR § 1026.43)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

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

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

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

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

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

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

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

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

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

Initial Closing Disclosure Timing Requirements

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

Page 4 of 10

Initial Closing Disclosure Timing & Changed Circumstances Requirements

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

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

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

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

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

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

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

Revised Closing Disclosure Timing & Changed Circumstances Requirements

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This pool contains 22 loans that are classified as "business purpose". In such cases compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

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

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

Page 5 of 10

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following five categories:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) QM/Non-Higher Priced Mortgage Loan (safe harbor): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection, (ii) QM/High Priced Mortgage Loan (rebuttable presumption): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection, (iii) Non-QM Compliant: Loans that do not meet the QM definition but fully comply with the ATR rule, (iv) Non- QM/Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (v) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. Classifications of QM and Non-QM are based on multiple factors including, but not limited to, requirements as set forth in Appendix Q to Part 1026 under the Original QM Rule or the General QM Rule.

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

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22 | &nbsp;&nbsp;&nbsp;32.84% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;45 | &nbsp;&nbsp;&nbsp;67.16% |

---

**Document Review**

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

● Appraisal.

● Asset documentation.

● Business Purpose Certification (if applicable)

● Changed circumstance documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing Disclosure(s).

● Hazard and/or flood insurance policies.

● HUD from sale of previous residence.

● Homeownership counseling organizations disclosure.

● Income and employment documentation.

● Initial and final GFE's.

● Initial application (1003).

● Initial escrow disclosure.

● Initial TIL.

● Leases

● Loan Estimate(s).

● Market Rent supporting documentation

● Mortgage Insurance.

● Mortgage/Deed of Trust.

● Note.

● Notice of Special Flood Hazards.

● Sales contract.

● Tangible Net Benefit Disclosure.

Page 6 of 10

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

● Title/Preliminary Title.

● Written List of Service Providers.

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

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

---

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

---

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

Of the 67 mortgage loans reviewed, fifty-nine unique mortgage loans had at least one tape discrepancy across 21 data fields (some mortgage loans had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp; **Total** |
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;56 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;58 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;12 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;55 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**DSCR\*** | &nbsp;&nbsp;67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;65 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;65 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;58 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**Note Date** | &nbsp;&nbsp;67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**Orig Balance** | &nbsp;&nbsp;66 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**OrigTerm** | &nbsp;&nbsp;67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;63 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;66 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;66 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;67 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;\*: Tape data was not available to compare. | &nbsp;&nbsp;\*: Tape data was not available to compare. | &nbsp;&nbsp;\*: Tape data was not available to compare. | &nbsp;&nbsp;\*: Tape data was not available to compare. |
| &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% |

---

Page 7 of 10

DTI variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating incomes. Total Debt Ratio variances that were less than or equal to 3% of the tape value are not included in the data discrepancies reflected.

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

Approximately 100.00% of the mortgage loans in the securitization have a Credit grade of "B" or higher and 74.63% of the mortgage loans by number have a Credit grade of "A." Exceptions or waivers were documented and supported with compensating factors on all 17 Credit grade "B" loans.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50 | 74.63% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 | 25.37% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Compliance grade of "B" or higher and 98.51% of the mortgage loans by number have a Compliance grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;66 | 98.51% |
| B | 1 | 1.49% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67** | **100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Valuation grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;67 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67** | **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 74.63% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;50 | 74.63% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 | 25.37% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67** | **100.00%** |

---

Page 8 of 10

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;67 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5 | 7.46% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;62 | 92.54% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;<br> **Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;43 | 64.18% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22 | 32.84% |
| &nbsp;&nbsp;**Second Home** | 2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.99% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;59 | 88.06% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7 | 10.45% |
| &nbsp;&nbsp;**Rate Term Refi** | 1 | 1.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;30 | 44.78% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15 | 22.39% |
| &nbsp;&nbsp;**Condo** | 16 | 23.88% |
| &nbsp;&nbsp;**2-4 Family** | 3 | 4.48% |
| &nbsp;&nbsp;**Commercial** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 3 | 4.48% |
| &nbsp;&nbsp;**Mixed Use** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67** | **100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**0-10%\*** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-20%** | 3 | 5.45% |
| &nbsp;&nbsp;**20%-30%** | 10 | 18.18% |
| &nbsp;&nbsp;**30%-40%** | 19 | 34.55% |
| &nbsp;&nbsp;**40%-50%** | 21 | 38.18% |
| &nbsp;&nbsp;**50%-60%** | 2 | 3.64% |
| &nbsp;&nbsp;**Total** | **55** | **100.00%** |
| &nbsp;&nbsp;**\*Twelve loans were underwritten to a DSCR loan program.** | &nbsp;&nbsp;**\*Twelve loans were underwritten to a DSCR loan program.** | &nbsp;&nbsp;**\*Twelve loans were underwritten to a DSCR loan program.** |

---

Page 9 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **<0 or** | 0 | 0.00% |
| **0-0.19** | 0 | 0.00% |
| **0.2-0.39** | 0 | 0.00% |
| **0.4-0.59** | 0 | 0.00% |
| **0.6-0.79** | 0 | 0.00% |
| **0.8-.99** | 3 | 25.00% |
| **1-1.19** | 4 | 33.33% |
| **1.2-1.39** | 2 | 16.67% |
| **1.4-1.59** | 3 | 25.00% |
| **1.6-1.79** | 0 | 0.00% |
| **1.8-1.99** | 0 | 0.00% |
| **=>2** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **12** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**10%-20%** | 0 | 0.90% |
| &nbsp;&nbsp;**20%-30%** | 0 | 0.90% |
| &nbsp;&nbsp;**30%-40%** | 2 | 1.80% |
| &nbsp;&nbsp;**40%-50%** | 3 | 4.50% |
| &nbsp;&nbsp;**50%-60%** | 12 | 9.91% |
| &nbsp;&nbsp;**60%-70%** | 6 | 6.31% |
| &nbsp;&nbsp;**70%-80%** | 18 | 36.94% |
| &nbsp;&nbsp;**80%-90%** | 21 | 28.83% |
| &nbsp;&nbsp;**90%-100%** | 5 | 9.91% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;AZ | 1 | 1.49% |
| &nbsp;&nbsp;CA | 5 | 7.46% |
| &nbsp;&nbsp;CO | 3 | 4.48% |
| &nbsp;&nbsp;FL | 11 | 16.42% |
| &nbsp;&nbsp;GA | 2 | 2.99% |
| &nbsp;&nbsp;IL | 4 | 5.97% |
| &nbsp;&nbsp;MA | 2 | 2.99% |
| &nbsp;&nbsp;MD | 1 | 1.49% |
| &nbsp;&nbsp;ME | 1 | 1.49% |
| &nbsp;&nbsp;MI | 2 | 2.99% |
| &nbsp;&nbsp;MN | 1 | 1.49% |
| &nbsp;&nbsp;MS | 1 | 1.49% |
| &nbsp;&nbsp;NC | 6 | 8.96% |
| &nbsp;&nbsp;NJ | 1 | 1.49% |
| &nbsp;&nbsp;NV | 3 | 4.48% |
| &nbsp;&nbsp;OH | 1 | 1.49% |
| &nbsp;&nbsp;OK | 1 | 1.49% |
| &nbsp;&nbsp;SC | 2 | 2.99% |
| &nbsp;&nbsp;TN | 3 | 4.48% |
| &nbsp;&nbsp;TX | 9 | 13.43% |
| &nbsp;&nbsp;VA | 4 | 5.97% |
| &nbsp;&nbsp;VT | 1 | 1.49% |
| &nbsp;&nbsp;WA | 2 | 2.99% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**67** | **100.00%** |

---

Page 10 of 10

## Exhibit 99.12

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.12**

**Rating Agency Exceptions Report: 3/8/2023**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Dummy ID** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXXXX | XXXX | 4350101243 | MI | Purchase | Owner Occupied | PUD | 29.33 |  | 777 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide either a cash flow analysis or a letter from the business accountant to confirm the withdrawal of funds will not have an adverse affect on the business. The statements show a XXXXX deposit transfer from the business account (XXXXX) to the borrower's personal account (XXXXX). XXXXX (XXXXX - XXXXX from borrower LPL account) of this transfer was from business funds and was used for closing. | 1.24 CPA letter provided. 1.16 The CPA letter or business cash flow is required as the XXXXX was transferred out of the account that is being used to calculate income. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101243 | MI | Purchase | Owner Occupied | PUD | 29.33 |  | 777 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide documentation to source the large deposit of XXXXX on XXXXX to the XXXXX account XXXXX and a letter of explanation from the borrower. The 1008 indicates this was cash from business/side work the borrower does and was kept in a home safe along with the borrower providing copies of receipts for services rendered for all but XXXXX of the deposit. The receipts and explanation letter were not provided in the loan file. A portion of the deposit was transferred to the borrower's personal account to use for closing. | 1.16 receipts that totaled XXXXX . This leaves XXXXX not accounted for (1008 said XXXXX). The XXXXX of the XXXXX deposit is less than 50% of the borrower's qualifying income; therefore, I did not deduct it from funds to close. The documents provided (receipts and LOE) on XXXXX I think should clear the exception. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101244 | NV | Purchase | Owner Occupied | PUD | 43.52 |  | 731 | 90.00% | XXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | 1.10 1008 provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101244 | NV | Purchase | Owner Occupied | PUD | 43.52 |  | 731 | 90.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 403 - Borrower's ATR Certification, Form 407- Underwriter ATR Attestation and Form 408 - Residual Income Worksheet since loan is a HPML as required by the guidelines. | 1.10 Cleared with Form 403, Form 407 & 408. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101244 | NV | Purchase | Owner Occupied | PUD | 43.52 |  | 731 | 90.00% | XXXXXXXXXX | XXXX | Credit | Credit - Eligiblity | According to the underwriting guidelines, a credit score of 760 is required on an Alt Doc purchase transaction with an LTV of 90%. In this case, the borrower is being qualifying using bank statements (Alt Doc) and LTV is 90%. The borrower's credit score of 731 does not meet the guidelines. | 1.10 Cleared with approved exception. | Prior Housing History - The borrower has no housing late payments in the past 43 months., Months Of Reserves - The borrower has XXXX months of reserves. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101244 | NV | Purchase | Owner Occupied | PUD | 43.52 |  | 731 | 90.00% | XXXXXXXXXX | XXXX | Credit | Income | Provide the expense statement covering the same period as the bank statements which is less than 90 days old at the time of closing specifying the total business expense as a percentage of gross revenue for the borrower's business (XXXXX) from a third party or CPA as required by the guidelines since a 40% expense factor was used by the lender per the bank statement worksheet in the file. The business is product based; therefore, if the fixed expense ratio option would be used <br> the lowest expense factor is 70% and would result in the DTI ratio being excessive. | 1.16 Income recalculated using 50% fixed expense factor.1.10 Use of the alternative expense factor is applicable to the use of a third party expense factor. If the CPA cannot provide, the expense factor must follow guidelines for when there is no third party verification of expense factor. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101244 | NV | Purchase | Owner Occupied | PUD | 43.52 |  | 731 | 90.00% | XXXXXXXXXX | XXXX | Credit | Income | Provide a letter of explanation from the borrower or third party accountant for the withdrawals exceeds deposits on 7 (XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX & XXXXX) of the 12 monthly business bank statements as required by the guidelines. | 1.10 Cleared with LOE. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101230 | VT | Purchase | Second Home | Single Family Detached | 48.44 |  | 781 | 90.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | This loan failed the charges that cannot increase test. The final CD reflects the Discount points fee as XXXX and the appraisal fee as XXXX. The initial LE reflects the Discount Points fee as XXXX and the appraisal fee as XXXX A Change of circumstance for the increase in fees is missing from the loan file. | 12.29 COC provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101230 | VT | Purchase | Second Home | Single Family Detached | 48.44 |  | 781 | 90.00% | XXXXXXXXXX | XXXX | Credit | Credit | The credit report in the loan reflects an additional social security number of XXXXX for the borrower. Provide a letter of explanation for the additional number. | 12.28 SSN validation provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101220 | WA | Purchase | Owner Occupied | Single Family Detached | 42.58 |  | 761 | 80.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide 408 - Residual Income Worksheet since the subject is an HPML as required by the guidelines. | Worksheet provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101240 | TX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0627 | 794 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | According to the underwriting guidelines, a cash flow analysis or a letter from the business accountant is required to confirm the withdrawal of funds will not negatively impact the business. In this case, the file includes 2 letters from employees of the borrower's business (XXXXX) stating there would not be a negative impact. The borrower's business is a XXXXX . | The file includes an approved exception dated XXXXX for the letters indicating withdrawal of funds will not negatively impact the business were from employees of XXXXX , which is the borrower's business. | Prior Mortgage History - The borrower has had no mortgage late payments in over 5 years., Credit Score - The borrower has a 794 credit score which is 54 points above the required 740. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101240 | TX | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0627 | 794 | 80.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | According to the underwriting guidelines proof of 2 months receipt is required if the lease rent amount which is higher than the market rent is being used for qualifying. In this case, the file includes a 1 year lease for the subject which will begin once borrower takes possession for XXXXX per month and the market rent is XXXXX. The lender used the XXXXX monthly lease for qualifying without the receipt of 2 months rent. | The file includes an approved exception dated XXXXX allowing the use of the XXXXX per month lease without evidence of receipt for 2 months rent. | Prior Mortgage History - The borrower has had no mortgage late payments in over 5 years., Credit Score - The borrower has a 794 credit score which is 54 points above the required 740. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101245 | TX | Purchase | Owner Occupied | PUD | 45.76 |  | 732 | 80.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide an executed letter of explanation from the borrowers stating the balance of XXXXX in the XXXXX #XXXXX account will be paid in full utilizing existing reserves. The DTI ratio would be excessive if the monthly payment which is the outstanding balance would be included in qualifying. | 1.13 LOX provided. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101245 | TX | Purchase | Owner Occupied | PUD | 45.76 |  | 732 | 80.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | According to the underwriting guidelines, first-time homebuyers who have never owned a residential property may not exceed 150%. In this case, the borrowers are first time homebuyers and the payment shock is 170.24% (XXXXX/XXXXX) which exceeds guidelines and there was no approved exception in the file for this issue. | 1.13 Exception approved for payment shock based on valid comp factors. | Credit Score - The primary wage earner has a 732 credit score which is 32 points above the required 700., Credit History - The borrowers have had no late payments in the last 34 months., Months Of Reserves - PITIA reserves above the minimum required by 6 months | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101245 | TX | Purchase | Owner Occupied | PUD | 45.76 |  | 732 | 80.00% | XXXXXXXXXX | XXXX | Credit | Employment | Provide a verbal verification of employment dated within 10 business days prior to the Note for the co-borrower from XXXXX. | 1.13 Work Number verification provided. As of date is within 35 days which is appropriate for a third party vendor verification per FNMA guidelines. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101245 | TX | Purchase | Owner Occupied | PUD | 45.76 |  | 732 | 80.00% | XXXXXXXXXX | XXXX | Credit | Income | Provide a letter of explanation for the gap in employment/schooling for the co-borrower from XXXXX when schooling ended to XXXXX when employment began with XXXXX. | 1.13 LOE provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101245 | TX | Purchase | Owner Occupied | PUD | 45.76 |  | 732 | 80.00% | XXXXXXXXXX | XXXX | Credit | Employment-Self Employment | Provide third party verification of the borrower's 50% ownership in XXXXX. The letter in file indicating the ownership percentage was from the borrower. | 1.26 CPA letter & CPA verification provided 1.13 Email provided is a correspondence between the CPA and the borrower and is not the required acknowledgement from the CPA addressed to the lender, provide alternate documentation to confirm the ownership percentage or provide an exception to waive the verification at which point loan will become a B grade loan. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101245 | TX | Purchase | Owner Occupied | PUD | 45.76 |  | 732 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide a copy of the XXXXX gift check from XXXXX to confirm the XXXXX deposit on XXXXX in the XXXXX account #XXXXX is the gift funds. | 1.13 donor bank statement provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101245 | TX | Purchase | Owner Occupied | PUD | 45.76 |  | 732 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide documentation for the XXXXX deposit on XXXXX in XXXXX account #XXXXX . The print out shows it is from an XXXXX account; however, the XXXXX account #XXXXX statement balance in the loan file does not support the transfer. It appears the deposit is from another XXXXX account since the final 1003 has XXXXX account #XXXXX balance listed as available funds along with the balance for XXXXX account #XXXXX which includes the XXXXX deposit. It is noted, if the deposit is from XXXXX account #XXXXX , the borrowers would not have sufficient funds for reserves. | 1.13 Ally statement confirming withdrawal provided. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101212 | IL | Purchase | Owner Occupied | Single Family Detached | 48.63 |  | 665 | 56.52% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines, consistent pattern of withdrawals exceeding deposits on a monthly basis if qualifying using business bank statements may result in disqualification. In this case, 16 of the 24 most recent business bank statements have withdrawals exceeding deposits. The letter of explanation in the file addresses the withdrawals exceeding deposits in XXXXX , XXXXX , XXXXX , XXXXX and XXXXX which is due to the theft of a semi and trailer in XXXXX . Provide a letter of explanation for the other 11 months (XXXXX , XXXXX XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX). | 11.28 LOX provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101212 | IL | Purchase | Owner Occupied | Single Family Detached | 48.63 |  | 665 | 56.52% | XXXXXXXXXX | XXXX | Credit | Income | Provide a letter of explanation regarding the co-borrower's move from XXXXX to XXXXX and how it will affect his self-employment income which was used in qualifying. | 11.28 LOE provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101212 | IL | Purchase | Owner Occupied | Single Family Detached | 48.63 |  | 665 | 56.52% | XXXXXXXXXX | XXXX | Credit | Total Debt Ratio | Audit calculated a debt ratio of 56.33% which exceeds guideline requirement of 50%. The 1008 shows a 48.63% DTI ratio. The increase is due to debt calculation differences. Audit calculated other debt of XXXXX , but the lender used XXXXX . The difference is the XXXXX #XXXXX payment and XXXXX XXXXX #XXXXX payment that were not included by the lender and the final 1003 does not indicate they were being paid off. | 12 mos statement support paid by business. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101222 | IL | Purchase | Owner Occupied | Single Family Detached | 44.7 |  | 706 | 75.00% | XXXXXXXXXX | XXXX | Credit | Credit | According to the underwriting guidelines, the DTI ratio must include payments on installment account and any other reoccurring obligations. In this case, the XXXXX payment on the XXXXX auto loan #XXXXX was excluded by the lender. There are more than 10 months remaining and the payments were taken from the business account for the last 8 months (debt opened in XXXXX with first payment in XXXXX). | The file includes an approved exception dated XXXXX to omit the payment for the business debt (XXXXX auto loan XXXXX payment) since there are only 8 payment made. | Credit Score - The borrower has a 706 credit score which is 26 points above the required 680., Months Of Reserves - The borrower has XXXX months of reserves. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101222 | IL | Purchase | Owner Occupied | Single Family Detached | 44.7 |  | 706 | 75.00% | XXXXXXXXXX | XXXX | Compliance | Other | This loan failed the charges that cannot decrease test. The Loan Estimate dated XXXXX includes a lender credit of XXXX however, the Closing Disclosure dated XXXXX includes a lender credit of XXXX A Change of Circumstance for the decrease is missing from the file. | COC provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101226 | IL | Purchase | Owner Occupied | Condo Attached | 44.97 |  | 787 | 60.00% | XXXXXXXXXX | XXXX | Credit | Credit Report | Provide verification of borrower's rental payment history at XXXXX from XXXXX through XXXXX confirming no 30 day late payments and to cover remaining 12 month housing history. The borrower was living rent free from XXXXX through XXXXX . | Provided bank statements to show rental history. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101226 | IL | Purchase | Owner Occupied | Condo Attached | 44.97 |  | 787 | 60.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide the certificate of occupancy from the city/county permit & inspection department for the subject since it is new construction. | COO provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101226 | IL | Purchase | Owner Occupied | Condo Attached | 44.97 |  | 787 | 60.00% | XXXXXXXXXX | XXXX | Credit | Homeownership counseling | Provide evidence the borrower received a copy of the Housing Counseling Disclosure. | Provided disclosure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101226 | IL | Purchase | Owner Occupied | Condo Attached | 44.97 |  | 787 | 60.00% | XXXXXXXXXX | XXXX | Credit | Condo/PUD | Provide the legal and recorded documents including the covenants, conditions/restrictions, declarations, budgets, reserve studies, project construction plans, architects/engineers reports, and any additional documentation needed to support the non-warrantable aspect of the project for the subject property. | HOA documentation provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101226 | IL | Purchase | Owner Occupied | Condo Attached | 44.97 |  | 787 | 60.00% | XXXXXXXXXX | XXXX | Credit | Hazard Insurance | Provide the condo's property insurance policy to verify walls in coverage. | Condo insurance provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101226 | IL | Purchase | Owner Occupied | Condo Attached | 44.97 |  | 787 | 60.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | According to the underwriting guidelines, the borrower can still qualify for a purchase transaction of a primary residence as long as they are living rent free with a relative and a letter of explanation from the relative confirming no monthly obligation. In this case, the letter of explanation indicating no monthly rent obligation since XXXXX was in the file, but it did not include the relationship with the borrower. An address letter of explanation from the borrower indicates he is living rent free with a friend which does not meet guidelines. | LOE provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101226 | IL | Purchase | Owner Occupied | Condo Attached | 44.97 |  | 787 | 60.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 415 - Certification of Non-Warrantable Condo and Condotel since the imported data indicates the subject is not a warrantable condo. | Condo doc provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101226 | IL | Purchase | Owner Occupied | Condo Attached | 44.97 |  | 787 | 60.00% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines, two full years of 1040 tax transcripts for all full doc loans are required. Provide the most recent two years (XXXXX & XXXXX) 1040 tax transcripts for the borrower since the loan is a full doc loan. The file only included wage transcripts. | transcripts provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101226 | IL | Purchase | Owner Occupied | Condo Attached | 44.97 |  | 787 | 60.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide the monthly statement for the XXXXX card opened on XXXXX to confirm the account has a zero balance as indicated on the inquiry letter of explanation. This debt was not reflected on the credit reports in the file. | Credit report shows still a balance. Included XXXXX payment and still qualifies. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101226 | IL | Purchase | Owner Occupied | Condo Attached | 44.97 |  | 787 | 60.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide the source of the deposits of XXXXX on XXXXX , XXXXX on XXXXX , XXXXX on XXXXX and XXXXX on XXXXX to the borrower's XXXXX account #XXXXX . These funds were needed to cover part of the XXXXX deposit on XXXXX for the subject property. | XXXXX bank statement provided to show source. XXXXX Source of the deposits is required to be documented or the deposits need to be deducted from available funds. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101226 | IL | Purchase | Owner Occupied | Condo Attached | 44.97 |  | 787 | 60.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide the source of the borrower's deposit to XXXXX of XXXXX on XXXXX. | XXXXX bank statements provided XXXXX Please provide two months' statements for the account the XXXXX was transferred from. Source of the deposits is required to be documented or the deposits need to be deducted from available funds. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101241 | IL | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0064 | 702 | 75.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | There is a discrepancy in the condo type between the documents in the file and the imported data. The imported data indicates subject is a non-warrantable condo, but the file has Form 414 - Certification of Condominium Warrantability instead of Form 415 - Certificiation of Non-Warrantable Condo and Condotel. Provide confirmation of the correct condo type. | 1.19 Condo Cert provided to show warrantable. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101241 | IL | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0064 | 702 | 75.00% | XXXXXXXXXX | XXXX | Credit | Credit | The credit report shows a 30 day mortgage late in XXXXX on the XXXXX #XXXXX which is within the most recent 12 months. The 1008 indicates an exception was approved for this, but the approved exception form was missing from the loan file. | 1.19 Exception provided | Months Of Reserves - The borrowers have XXXX months of reserves., Credit Score - The borrowers have a 702 credit score which is 2 points above the required 700. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101241 | IL | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0064 | 702 | 75.00% | XXXXXXXXXX | XXXX | Credit | VOM | The Verification of Mortgage (VOM) and/or the mortgage payment history on XXXXX #XXXXX (property purchased in XXXXX - CD in file) from XXXXX through XXXXX , XXXXX #XXXXX for XXXXX and XXXXX #XXXXX for XXXXX were missing from the loan file. | 1.19 Cleared with property detail report |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101241 | IL | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0064 | 702 | 75.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | According to the underwriting, if the lease rent amount is higher than the market rent on form 1007 the lease rent may be utilized with evidence of 2 months proof of receipt. In this case, the lease amount of XXXXX was utilized instead of the XXXXX market rent. The file includes a deposit receipt for XXXXX , but there was no evidence in the file indicating this was for the first 2 months rent on the lase which has a start date of XXXXX . Provide evidence of the 2 months rent received from the tenant XXXXX. Audit used the lease for calculation purposes. If the 2 months rent evidence is not provided, the loan would not be acceptable since the DSCR would below 1 and the LTV is over 70%. | 1.19 Cancelled checks received to clear. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101233 | VA | Purchase | Owner Occupied | Condo Attached | 23.09 |  | 727 | 62.96% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 408 - Residual Income Worksheet since the loan is a HPML. | 1.12 Form 408 provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101233 | VA | Purchase | Owner Occupied | Condo Attached | 23.09 |  | 727 | 62.96% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide the certificate of occupancy from the city/county inspection and permit department since subject property is new construction. | 1.12 COO provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101258 | FL | Purchase | Owner Occupied | Single Family Detached | 46.11 |  | 803 | 80.00% | XXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | 2.20 cleared with 1008 |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101258 | FL | Purchase | Owner Occupied | Single Family Detached | 46.11 |  | 803 | 80.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide documentation of HOA dues (if any) on XXXXX . Additional exceptions may apply upon review. | 2.20 No HOA dues confirmed |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101258 | FL | Purchase | Owner Occupied | Single Family Detached | 46.11 |  | 803 | 80.00% | XXXXXXXXXX | XXXX | Credit | Employment-Self Employment | Provide third party verification that Borrower and Co-Borrower each own 50% of XXXXX . | 2.20 Cleared with CPA letter |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101258 | FL | Purchase | Owner Occupied | Single Family Detached | 46.11 |  | 803 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide a third party accountant letter confirming the withdrawal of funds from the XXXXX accounts #XXXXX and #XXXXX will not have an adverse affect on the business. The business funds are needed for closing and reserves. The cash flow analysis provided in the file does not support using the business funds without a negative impact. Additional exceptions may apply upon review. | 2.20 Cleared wtih CPA letter |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101207 | FL | Purchase | Non-Owner Occupied | Condo Attached | 25.26 |  | 794 | 70.00% | XXXXXXXXXX | XXXX | Credit | Title Commitment | Update Title Commitment. to reflect loan amount of XXXXX | 10/27/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101207 | FL | Purchase | Non-Owner Occupied | Condo Attached | 25.26 |  | 794 | 70.00% | XXXXXXXXXX | XXXX | Credit | Underwriting Condition Not Met | Provide Form 414 - Certification of Condominium Warrantability, Form 415 - Certification of Non-Warrantable Condo and Condotel, Form 501 – Condominium and/or XXXXX condo approval. <br>| 10/27/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101207 | FL | Purchase | Non-Owner Occupied | Condo Attached | 25.26 |  | 794 | 70.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide evidence of the disposition of XXXXX and taxes, insurance, HOA. DTI pending. | 10/27/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101239 | MA | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 1.2856 | 779 | 75.00% | XXXXXXXXXX | XXXX | Credit | Underwriting Condition Not Met | Provide Form 409 Business Purpose & Occupancy Affidavit notarized, Form 414 - Certification of Condominium Warrantability, Form 415 - Certification of Non-Warrantable Condo and Condotel, Form 501 – Condominium or XXXXX condo approval. <br>| 11.9 Form 414, 415, 501 or XXXXX condo approval still pending. 10.19 Received Form 409. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101239 | MA | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 1.2856 | 779 | 75.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | 10.19 XXXXX Received appraisal acknowledgement form |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101239 | MA | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 1.2856 | 779 | 75.00% | XXXXXXXXXX | XXXX | Credit | Hazard Insurance | The property insurance policy reflecting the policy number and full declarations is not included in the loan file. | 10.19 Received full policy |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101239 | MA | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 1.2856 | 779 | 75.00% | XXXXXXXXXX | XXXX | Credit | Income | The rental leases documentation is not in the file for the subject. | 10.19 Lease agreement received |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101239 | MA | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 1.2856 | 779 | 75.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide proof the borrowers primary residence is owned free and clear along with the taxes, hoi and HOA if applicable. | 10.19 Owned free & clear |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101239 | MA | Purchase | Non-Owner Occupied | Four-Unit Property | 0 | 1.2856 | 779 | 75.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Per appraisal completion cert the subject should be 4 units and not 5 to be considered legal. The 1004D was to confirm the 5th had been removed. Per the cert the stove was removed from 5th. This does not remove the 5h unit. | 10.19 Letter of explanation does not address that the 1004D has not confirmed the 5th unit (5h) was removed. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101246 | FL | Purchase | Non-Owner Occupied | Condo Attached | 36.17 |  | 728 | 75.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Form 403 - Borrower's ATR Certification is missing from the loan file. | 1.10 Form 403 provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101246 | FL | Purchase | Non-Owner Occupied | Condo Attached | 36.17 |  | 728 | 75.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | The documentation to source the XXXXX earnest money deposit and the XXXXX additional deposit reflected on the closing disclosure was not included in the loan file. A letter of explanation from the borrower's spouse who is a title holder but not on the loan indicates these funds are coming from her accounts; however, documentation showing the withdrawal of these funds from the spouse's account was not in the file. | 1.4 source documentation provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101246 | FL | Purchase | Non-Owner Occupied | Condo Attached | 36.17 |  | 728 | 75.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide documentation the XXXXX wire transfer from the spouse's XXXXX account on XXXXX was for the closing of the subject transaction. Letter of explanation in file indicates the spouse was gifting these funds to the borrower for the purchase of the subject loan. | 1.4 Cleared with documentation |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101246 | FL | Purchase | Non-Owner Occupied | Condo Attached | 36.17 |  | 728 | 75.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | The borrower is short XXXXX to close the subject transaction. Provide documentation to support sufficient funds to cover the shortage of funds to close. The closing disclosure shows the borrower needed XXXXX to close. Assets verified in the file are XXXXX from the XXXXX account #XXXXX and XXXXX from the spouse'sXXXXX account. | 1.19 PCCD provided 1.18 The transfer history provided does show a credit for the two transfers, but this does not explain why the funds are not being credited on the final CD. 1.12 The XXXXX transfer nor the XXXXX transfers, documented separately as wired to XXXXX , are reflected as being credited on the final CD. Please provide explanation to support crediting the funds to the subject closing. 1.11 Please provide documentation of transfer of XXXXX wired funds. We need to verify the source. We had the borrower's XXXXX account verified with XXXXX and the LOE indicates there is an additional XXXXX wired to settlement agent so we need to document the source of the XXXXX. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101246 | FL | Purchase | Non-Owner Occupied | Condo Attached | 36.17 |  | 728 | 75.00% | XXXXXXXXXX | XXXX | Credit | Asset Verification | Provide the source of the funds to cover the required 6 months reserves. The borrower has XXXXX in a XXXXX account available for reserves; however, XXXXX (6 months) is needed for reserves. The borrower is short XXXXX to meet the reserve requirement. |  |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101246 | FL | Purchase | Non-Owner Occupied | Condo Attached | 36.17 |  | 728 | 75.00% | XXXXXXXXXX | XXXX | Credit | Asset Verification | According to the underwriting guidelines, gift funds are allowed on primary residence transactions only. In this case, the subject is an investment property and the borrower is receiving gift funds from the spouse for down payment and closing. | The file includes an approved exception dated XXXXX for the down payment and closing costs coming from the spouse. | Credit Score - The borrower has a 728 credit score which is 28 points above the required 700., DTI - The DTI ratio is 36.17% which is 8.83% below the maximum allowed of 45%. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101246 | FL | Purchase | Non-Owner Occupied | Condo Attached | 36.17 |  | 728 | 75.00% | XXXXXXXXXX | XXXX | Credit | Credit | According to the underwriting guidelines, borrowers that do not have the required housing payment history in the last 12 months may still qualifying for a purchase transaction, but it must be a primary residence. In this case, the borrower is living rent free with his spouse. The borrower is not on title and is not on the mortgage for the primary residence. The subject is an investment property transaction, which is not acceptable when living rent free. | The file includes an approved exception dated XXXXX for the borrower purchasing an investment property and living rent free with the spouse since he is not on title or on the note of the primary residence. | Credit Score - The borrower has a 728 credit score which is 28 points above the required 700., DTI - The DTI ratio is 36.17% which is 8.83% below the maximum allowed of 45%. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101247 | AZ | Purchase | Non-Owner Occupied | Townhome | 30.7 |  | 780 | 70.00% | XXXXXXXXXX | XXXX | Property | Appraisal | The legal description on the appraisal does not agree with the legal description on the title commitment and deed of trust for the subject property. The appraisal shows subject as XXXXX ; whereas, the title commitment and deed of trust shows the legal as XXXXX . | 1.9 Revised documentation provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101247 | AZ | Purchase | Non-Owner Occupied | Townhome | 30.7 |  | 780 | 70.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide documentation to confirm the HOA dues on the borrower's primary residence atXXXXX . The 1008 shows monthly HOA dues of XXXXX . Audit used for calculation purposes. The DTI ratio is pending. | 1.9 HOA invoice provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101247 | AZ | Purchase | Non-Owner Occupied | Townhome | 30.7 |  | 780 | 70.00% | XXXXXXXXXX | XXXX | Credit | Credit - Eligiblity | Provide documentation of the terms on the XXXXX #XXXXX second mortgage to confirm the monthly payment. The final 1003 shows a payment of XXXXX , but the credit report shows XXXXX and indicates this is the current accrued interest. Audit used the payment on the final 1003 for calculation purposes. DTI ratio is pending. | 1.9 HELOC note provided to confirm payment amount. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101247 | AZ | Purchase | Non-Owner Occupied | Townhome | 30.7 |  | 780 | 70.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide documentation to source the XXXXX deposit on XXXXX in the XXXXX account #XXXXX . These funds are needed for closing and reserves. | 1.12 Cleared with documentation of HELOC source.1.9 HELOC note confirms available funds, but does not show paper trail of the XXXXX deposit in question. Please provide documentation that shows the transfer of funds. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101248 | CO | Purchase | Owner Occupied | PUD | 28.74 |  | 754 | 56.92% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | According to the underwriting guidelines, first time homebuyers may not have a payment shock that exceeds 150%. In this case, the borrower who is a first time homebuyer has a 206.71% payment shock (XXXXX /XXXXX). | The file includes an approved exception dated XXXXX for the payment shock exceeding 150% since borrower is a first time homebuyer. | LTV - The LTV is 56.92% which is 28.08% below the maximum allowed of 85%., Credit Score - The borrower has a 754 credit score which is 14 points above the required 740. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101248 | CO | Purchase | Owner Occupied | PUD | 28.74 |  | 754 | 56.92% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide form 408 - Residual Income Worksheet as required by the guidelines since this transaction is an HPML. | 12.30 Form 408 provided. 12.29 Form 408 is required due to the loan being HPML, not because of the DTI. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101248 | CO | Purchase | Owner Occupied | PUD | 28.74 |  | 754 | 56.92% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide the certificate of occupancy from the city/county permit and inspection department since the subject is new consrtuction. | 12.29 COO provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101248 | CO | Purchase | Owner Occupied | PUD | 28.74 |  | 754 | 56.92% | XXXXXXXXXX | XXXX | Credit | Flood Certificate | The Flood Certificate in file is outdated. The flood certificate provided was dated XXXXX which is over 120 days prior to the Note date of XXXXX . | 12.29 flood cert provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101215 | NV | Purchase | Non-Owner Occupied | Condo Attached | 28.02 |  | 730 | 75.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 407 - Underwriter ATR Attestation and Form 415 - Certification of Non-Warrantable Condo and Condotel . The exception form shows the subject is a non-warrantable condo. | 12/8/22: Documentation provided to cure. | Credit Score - the borrower has a 730 credit score which is 10 points above the required 720., Months Of Reserves - The borrower has XXXX months of reserves. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101215 | NV | Purchase | Non-Owner Occupied | Condo Attached | 28.02 |  | 730 | 75.00% | XXXXXXXXXX | XXXX | Credit | Credit | According to the underwriting guidelines, rental history is to be documented by canceled checks (front & bank) or a VOR. In this case, the file includes the canceled checks, but XXXXX through XXXXX show only half of the total rent was paid. The file includes a letter of explanation indicating the other half of the rent was paid in cash. Also, the borrower has a payment shock of 206.32% which exceeds the maximum allowed of 150%. | The file includes an approved exception dated XXXXX for the payment shock over 150% and the borrower currently renting from XXXXX with 4 of the payments paid were by check and cash. | Credit Score - the borrower has a 730 credit score which is 10 points above the required 720., Months Of Reserves - The borrower has XXXX months of reserves. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101208 | NC | Purchase | Owner Occupied | PUD | 23.8 |  | 770 | 90.00% | XXXXXXXXXX | XXXX | Credit | Hazard Insurance | The property insurance policy or certificate is not included in the loan file. Received binder need full policy. | 10/07/2022: Binder includes all pertinent information required. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101208 | NC | Purchase | Owner Occupied | PUD | 23.8 |  | 770 | 90.00% | XXXXXXXXXX | XXXX | Credit | Credit | According to LOX provided in the loan file the borrower was gifted a property at XXXXX . Provide taxes, HOI and proof it is owned free and clear. DTI pending. | 10/07/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101208 | NC | Purchase | Owner Occupied | PUD | 23.8 |  | 770 | 90.00% | XXXXXXXXXX | XXXX | Property | Appraisal | The subject is new construction. Provide cert of occupancy from the city/county supporting the property is now complete and inhabitable. | 10/07/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101208 | NC | Purchase | Owner Occupied | PUD | 23.8 |  | 770 | 90.00% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines, a consistent pattern of withdrawals exceed deposits on a monthly basis if qualifying using business bank statements may result in disqualification. 14 of the 24 business monthly bank statements (XXXXX ,XXXXX ,XXXXX ,XXXXX ,XXXXX ,XXXXX ,XXXXX ,XXXXX ,XXXXX ,XXXXX ,XXXXX ,XXXXX ,XXXXX ,XXXXX ,XXXXX) show withdrawals exceeding deposits. Provide an executed letter of explanation for this issue. | 10/07/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101208 | NC | Purchase | Owner Occupied | PUD | 23.8 |  | 770 | 90.00% | XXXXXXXXXX | XXXX | Credit | Credit - Eligiblity | According to XXXXX guidelines the borrower should have a minimum of 2 tradelines. The borrower has 1 open tradeline. | 10/07/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101208 | NC | Purchase | Owner Occupied | PUD | 23.8 |  | 770 | 90.00% | XXXXXXXXXX | XXXX | Credit | Asset Verification | The loan file is missing 2 months personal bank statements from XXXXX #XXXXX , XXXXX #XXXXX and XXXXX #XXXXX supporting 6 months reserves and receipt of XXXXX gift. | 10/07/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101223 | NC | Purchase | Owner Occupied | Single Family Detached | 25.1 |  | 744 | 54.55% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The initial Closing Disclosure is missing from the loan file. | 12.14 Initial CD provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101223 | NC | Purchase | Owner Occupied | Single Family Detached | 25.1 |  | 744 | 54.55% | XXXXXXXXXX | XXXX | Credit | 1008 | Provide an updated 1008 with the correct monthly income of XXXXX and DTI ratio of 25.10%. The 1008 in file shows monthly income of XXXXX which is from the initial 1003. The lender's bank statement calculator shows a 90% expense factor was to be used which would result in monthly income of XXXXX per month; however, the income on the worksheet of XXXXX per month does not include the 90% expense factor. It could not be confirmed how the worksheet income was calculated | 12.14 Revised 1008 provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101213 | TX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 38.92 |  | 778 | 57.28% | XXXXXXXXXX | XXXX | Credit | Final 1003 | The final 1003 is not included in the loan file. | 12/8/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101213 | TX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 38.92 |  | 778 | 57.28% | XXXXXXXXXX | XXXX | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. | 12/8/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101213 | TX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 38.92 |  | 778 | 57.28% | XXXXXXXXXX | XXXX | Credit | Credit | Provide the tax certificate for the subject property. Audit used the amount on the appraisal of XXXXX per year for calculation purposes. | 12/8/22: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101249 | TN | Purchase | Owner Occupied | Single Family Detached | 30.49 |  | 784 | 80.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The initial Closing Disclosure is missing from the loan file. | 1.19 Initial CD provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101249 | TN | Purchase | Owner Occupied | Single Family Detached | 30.49 |  | 784 | 80.00% | XXXXXXXXXX | XXXX | Compliance | Loan Estimate | The Written List of Service Providers document is missing from the loan file. | cleared with documentation |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101249 | TN | Purchase | Owner Occupied | Single Family Detached | 30.49 |  | 784 | 80.00% | XXXXXXXXXX | XXXX | Credit | Homeownership counseling | The Homeownership Counseling Disclosure document is missing from the loan file. | disclosure provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101249 | TN | Purchase | Owner Occupied | Single Family Detached | 30.49 |  | 784 | 80.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Evidence the borrower received a copy of the appraisal was missing from the loan file. | 1.18 Evidence of delivery provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101249 | TN | Purchase | Owner Occupied | Single Family Detached | 30.49 |  | 784 | 80.00% | XXXXXXXXXX | XXXX | Credit | Employment-Self Employment | Provide third party verification of the borrower's 100% ownership in XXXXX . | 1.18 Verification of ownership by CPA provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101249 | TN | Purchase | Owner Occupied | Single Family Detached | 30.49 |  | 784 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide either a cash flow analysis or a letter from the business accountant confirming that the withdrawal of funds will not negatively impact the business since assets from the business accounts are needed for closing. | 1.18 CPA letter provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101254 | TX | Purchase | Owner Occupied | PUD | 13.39 |  | 741 | 53.10% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The initial Closing Disclosure is missing from the loan file. | 2/8/2023: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101254 | TX | Purchase | Owner Occupied | PUD | 13.39 |  | 741 | 53.10% | XXXXXXXXXX | XXXX | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. | 2/8/2023: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101250 | VA | Purchase | Owner Occupied | Condo Attached | 54.23 |  | 708 | 50.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Form 414 - Certification of Condominium Warrantability was not fully completed. The borrower's name, loan number, project name and project address were not completed on the form. | 1.9 cleared with documentation |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101250 | VA | Purchase | Owner Occupied | Condo Attached | 54.23 |  | 708 | 50.00% | XXXXXXXXXX | XXXX | Credit | Total Debt Ratio | Audit calculated total debt ratio of 54.23% which exceeds guidelines (45% maximum since non-occupant co-borrower). The lender calculated a DTI ratio of 54.20%which exceed guidelines | The file includes an approved exception dated XXXXX for the DTI ratio exceeding guidelines. The exception is allowing a DTI ratio up to 55%. | LTV - The LTV is 50% which is 25% below the maximum allowed of 75%., Months Of Reserves - The borrowers have XXXX months of reserves. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101227 | FL | Refi - Cash Out | Owner Occupied | Condo Attached | 32.97 |  | 719 | 47.62% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines, a consistent pattern of withdrawals exceeding deposits on a monthly basis if qualifying using business bank statements may result in disqualification. Six (XXXXX . XXXXX , XXXXX , XXXXX , XXXXX & XXXXX) of the 12 business bank statements for XXXXX have withdrawals exceeding deposits. Provide a letter of explanation from the co-borrower or third party accountant for this issue. | 12.23 LOX provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101227 | FL | Refi - Cash Out | Owner Occupied | Condo Attached | 32.97 |  | 719 | 47.62% | XXXXXXXXXX | XXXX | Credit | VOM | Provide the Verification of Mortgage (VOM) and/or the mortgage payment history on XXXXX /XXXXX /XXXXX #XXXXX for XXXXX through XXXXX , XXXXX #XXXXX for XXXXX and XXXXX #XXXXX for XXXXX through XXXXX (this mortgage was not listed on the credit report). | 12.23 Credit supplement provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101227 | FL | Refi - Cash Out | Owner Occupied | Condo Attached | 32.97 |  | 719 | 47.62% | XXXXXXXXXX | XXXX | Credit | Credit | Provide documentation to support the exclusion of XXXXX . The mortgage statement shows this is associated with XXXXX , which the borrower indicates is one and same as XXXXX listed on the REO Schedule. The REO Schedule shows the XXXXX /XXXXX /XXXXX associated with XXXXX which was used to calculate net rental income. If the XXXXX #XXXXX would be included in qualifying, the DTI ratio would exceed deposits. | 12.23 Credit supplement provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101227 | FL | Refi - Cash Out | Owner Occupied | Condo Attached | 32.97 |  | 719 | 47.62% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 414 - Certification of Condominium Warrantability as required by the guidelines. | 12.23 condo approval provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101214 | FL | Purchase | Owner Occupied | Condo Attached | 37.52 |  | 711 | 80.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | This loan failed the charges that cannot increase test as the final Closing Disclosure reflects the Discount Points Fee as XXXX which increased XXXX from the previous disclosure and a Change of Circumstance for the increase was not included in the loan file | 11.30 The COC was provided for the XXXXX disclosure however the discount points fee increased on XXXXX and the COC for this change is still outstanding. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101214 | FL | Purchase | Owner Occupied | Condo Attached | 37.52 |  | 711 | 80.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 415 - Certification of Non-Warrantable Condo and Condotel. The 1008 in the file and the imported data indicates the subject is a non-warrantable condo. | 11.30 Condo approval provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101214 | FL | Purchase | Owner Occupied | Condo Attached | 37.52 |  | 711 | 80.00% | XXXXXXXXXX | XXXX | Credit | Hazard Insurance | Provide an updated condo property insurance certificate. The certificate in the file shows an expiration dated of XXXXX, which is the day of closing. | 11.30 Valid policy provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101229 | FL | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.093 | 797 | 59.91% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 409 - business Purpose & Occupancy Affidavit (must notarized) and From 415- Certification of Non-Warrantable Condo and Condotel | 12.28 documentation received |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101229 | FL | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.093 | 797 | 59.91% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | According to the underwriting guidelines, short term/variable rental income is acceptable with 12 months evidence of receipt. In this case, the short term/variable rental income is only for 7 months, but was still utilized. | The file includes an approved exception dated XXXXX allowing the use of the short term rental income instead of market rent with only 7 month rental history provided. | Credit Score - The borrower has a 797 credit score which is 97 points above the required 700., Years In Residence - The LTV is 59.91% which is 15.09% below the maximum allowed of 75%. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101229 | FL | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.093 | 797 | 59.91% | XXXXXXXXXX | XXXX | Credit | Deed of Trust / Mortgage | Provide the complete mortgage and condominium rider. The file is missing pages 2, 4, 6, 8,10, 12 and Exhibit A (legal) of the mortgage and page 2 of the condominium rider. | 12.28 Complete documentation provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101236 | TX | Purchase | Owner Occupied | Single Family Detached | 45.41 |  | 797 | 85.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide either a cash flow analysis or a letter from the business accountant to confirm withdrawals of funds will not negatively impact the business since the XXXXX #XXXXX business account is needed for closing. | 1.3 CPA letter provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101236 | TX | Purchase | Owner Occupied | Single Family Detached | 45.41 |  | 797 | 85.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide documentation to source the large deposits of XXXXX on XXXXX and XXXXX on XXXXX in the XXXXX account #XXXXX as required by the guidelines. | 1.3 Source documentation provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101210 | CA | Purchase | Owner Occupied | PUD | 49.17 |  | 751 | 80.00% | XXXXXXXXXX | XXXX | Credit | Employment | Provide Verbal Verification of Employment for the co-borrower from XXXXX dated within 10 business days prior to the Note date. | 11.2 VVOE provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101210 | CA | Purchase | Owner Occupied | PUD | 49.17 |  | 751 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide evidence the XXXXX gift was received from the donor. The file indicates this will be wired to the escrow company, but documentation of the wire was not included in the loan file. | 11.2 wire transfer provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101209 | NC | Purchase | Owner Occupied | Condo Attached | 39.09 |  | 796 | 80.00% | XXXXXXXXXX | XXXX | Credit | Note / Deed of Trust / Mortgage | Deed of Trust/Mortgage and Condo Rider are not included in the loan file. | 09/22/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101209 | NC | Purchase | Owner Occupied | Condo Attached | 39.09 |  | 796 | 80.00% | XXXXXXXXXX | XXXX | Credit | Underwriting Condition Not Met | Per the XXXXX /XXXXX tax returns the borrower is married. Provide divorce decree or updated final 1003, title, mortgage to reflect married. | 09/22/2022 Received 1003 . Still need updated title & mtg 09/26/2022 not sent 09/29/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101209 | NC | Purchase | Owner Occupied | Condo Attached | 39.09 |  | 796 | 80.00% | XXXXXXXXXX | XXXX | Compliance | Other | Form 403 Borrowers ATR Certification , Form 415 - Certification of Non-Warrantable Condo and Condotel and/or condo approval. | 09/22/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101209 | NC | Purchase | Owner Occupied | Condo Attached | 39.09 |  | 796 | 80.00% | XXXXXXXXXX | XXXX | Credit | Hazard Insurance | The full hazard insurance policy is missing from the loan file. The binder was included in the loan file. | 09/22/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101209 | NC | Purchase | Owner Occupied | Condo Attached | 39.09 |  | 796 | 80.00% | XXXXXXXXXX | XXXX | Credit | 1008 | Provide updated signed 1008 to reflect correct ratios at 40.26%. | 09/22/2022 SE income matches at XXXXX and estimates taxes are also the same. See DTI worksheet 09/26/2022 Received updated taxes ratios are 39.09% and within tolerance |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101259 | ME | Refi - Cash Out | Owner Occupied | Single Family Detached | 34.08 |  | 673 | 70.00% | XXXXXXXXXX | XXXX | Credit | Income | The underwriting guidelines require two full years of 1040 tax transcripts for wage earners on full documentation loans. Provide the borrower's 1040 tax transcripts for XXXXX and XXXXX . | 2.15 Transcripts provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101259 | ME | Refi - Cash Out | Owner Occupied | Single Family Detached | 34.08 |  | 673 | 70.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The Closing Disclosure does not meet the delivery timing requirements. This loan failed the revised closing disclosure delivery date test. The file includes a Change of circumstance dated XXXXX however the document corresponding with this change is missing from the loan file. | 2.15 XXXXX CD provided. 2.15 The CD provided is the initial CD. This exception is requiring the revised CD corresponding to the change of circumstance dated XXXXX. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101224 | NJ | Purchase | Non-Owner Occupied | Single Family Detached | 47.54 |  | 806 | 39.30% | XXXXXXXXXX | XXXX | Credit | Income | Provide a letter of explanation for the XXXXX in XXXXX and XXXXX on the business bank statements XXXXX. | 12.13 LOE provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101224 | NJ | Purchase | Non-Owner Occupied | Single Family Detached | 47.54 |  | 806 | 39.30% | XXXXXXXXXX | XXXX | Credit | Income | Provide the Venmo printouts to confirm the Venmo deposits in the XXXXX s account #XXXXX are business related. | 12.13 Explanation provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101224 | NJ | Purchase | Non-Owner Occupied | Single Family Detached | 47.54 |  | 806 | 39.30% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines, a consistent pattern of withdrawals exceeding deposits on a monthly basis if qualifying using business bank statements may result in disqualification. In this case, 7 (XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX & XXXXX) of the 13 monthly business bank statements show withdrawals exceeding deposits. Provide a letter of explanation from the borrower or third party accountant for this issue. | LOE provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101224 | NJ | Purchase | Non-Owner Occupied | Single Family Detached | 47.54 |  | 806 | 39.30% | XXXXXXXXXX | XXXX | Credit | Employment-Self Employment | Provide third party verification confirming the borrower's 100% ownership in XXXXX. | CPA letter provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101224 | NJ | Purchase | Non-Owner Occupied | Single Family Detached | 47.54 |  | 806 | 39.30% | XXXXXXXXXX | XXXX | Credit | VOM | Provide the Verification of Mortgage (VOM) and/or the mortgage payment history on XXXXX loan #XXXXX for the XXXXX payment. | Credit supplement provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101237 | CA | Purchase | Owner Occupied | Single Family Detached | 41.42 |  | 772 | 90.00% | XXXXXXXXXX | XXXX | Credit | Credit Report | Provide the original credit report that reflects the borrowers credit scores. The guidelines require a minimum credit score of 760. | Credit report with scores provided. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101237 | CA | Purchase | Owner Occupied | Single Family Detached | 41.42 |  | 772 | 90.00% | XXXXXXXXXX | XXXX | Credit | Credit - Eligiblity | Provide a letter of explanation for the additional social security of XXXXX for the co-borrower shown on the XXXXX credit supplement. | Clear after receipt of credit report. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101251 | MS | Refi - Cash Out | Owner Occupied | PUD | 33.04 |  | 705 | 52.83% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | This loan failed the charges that cannot increase test. The discount points fee increased on the revised Closing Disclosure dated XXXXX from XXXX to XXXX and a change of circumstance was not included in the loan file. | 1.26 COC provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101251 | MS | Refi - Cash Out | Owner Occupied | PUD | 33.04 |  | 705 | 52.83% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines, a consistent pattern of withdrawals exceeding deposits on a monthly basis may result in disqualification. 6 of the 12 months business bank statements (XXXXX , XXXXX , XXXXX ,XXXXX , XXXXX & XXXXX) show withdrawals exceeding deposits. Provide a letter of explanation from the borrower or third party accountant for this issue. | 1.26 LOX provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101218 | MD | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0116 | 786 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide either a cash flow analysis or a letter from the business accountant to confirm the withdrawal of funds will not negatively impact the business since the XXXXX . XXXXX account #XXXXX is being used for closing and reserves. | 12-23 CPA letter provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101218 | MD | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0116 | 786 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide third party documentation confirming the borrower is 100% owner of XXXXX . since the funds for closing and reserves are from the business accountant. If the borrower is not 100% owner, a letter of expsanation for the other owners of the business attesting the borrower is entitled to the funds will be required. Additional exceptions may apply upon review. | 12.23 CPA letter provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101255 | CO | Purchase | Owner Occupied | PUD | 37.26 |  | 720 | 80.00% | XXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | 2.1 1008 provided to clear |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101255 | CO | Purchase | Owner Occupied | PUD | 37.26 |  | 720 | 80.00% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines, a consistent pattern of withdrawals exceeding deposits on a monthly basis if qualifying using business bank statements may result in disqualification. Seven (XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX & XXXXX) of the 12 monthly business bank statements show withdrawals exceeding deposits. Provide a letter of explanation from the borrower or third party accountant for this issue. | 2.1 Cleared with LOX |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101197 | VA | Rate Term Refi | Owner Occupied | PUD | 37.32 |  | 773 | 67.54% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. Disclosure provided does not confirm borrower receipt. | 10/27/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101197 | VA | Rate Term Refi | Owner Occupied | PUD | 37.32 |  | 773 | 67.54% | XXXXXXXXXX | XXXX | Credit | Rider | PUD Rider document not included in the loan file. | 10/27/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101197 | VA | Rate Term Refi | Owner Occupied | PUD | 37.32 |  | 773 | 67.54% | XXXXXXXXXX | XXXX | Credit | VOM | The Verification of Mortgage (VOM) and/or the mortgage payment history on the subject mortgage for XXXXX, XXXXX and XXXXX are not in the loan file. | 11.2 Credit supp provided. 10/27/2022: Credit report indicates last payment was XXXXX . The mortgage statement dated XXXXX does not verify that the XXXXX or XXXXX payment was not possibly late. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101197 | VA | Rate Term Refi | Owner Occupied | PUD | 37.32 |  | 773 | 67.54% | XXXXXXXXXX | XXXX | Credit | Employment-Self Employment | Provide Third party verification that the borrower owns 100% of the business. | 10/27/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101197 | VA | Rate Term Refi | Owner Occupied | PUD | 37.32 |  | 773 | 67.54% | XXXXXXXXXX | XXXX | Credit | Asset Verification | Provide cash flow analysis or letter from business accountant to confirm the withdrawal of funds will not negatively impact the business since these assets are being used for funds to close and reserves. | 10/27/2022: Document provided to clear condition. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101225 | FL | Purchase | Owner Occupied | Condo Attached | 49.42 |  | 773 | 63.16% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 415 - Certification of Non-Warrantable Condo and Condotel since the imported data indicates this is a non-warrantable condo. | 12.15 Received condo approval |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101225 | FL | Purchase | Owner Occupied | Condo Attached | 49.42 |  | 773 | 63.16% | XXXXXXXXXX | XXXX | Credit | Total Debt Ratio | Audit calculated total debt ratio of 49.42% which exceeds guidelines (maximum 45% for a non-warrantable condo). The 1008 reflects a 48.22% DTI ratio which also exceeds the guideline maximum of 45%. The increase is due to Audit used the most conservative average of the bonus income (XXXXX); whereas, the lender used XXXXX . | 12.16 Exception is marked with an approval date. 12.15 Exception form is not signed to show that it has been approved. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101225 | FL | Purchase | Owner Occupied | Condo Attached | 49.42 |  | 773 | 63.16% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrowers received a copy of the appraisal. | 12.15 Evidence of delivery provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101225 | FL | Purchase | Owner Occupied | Condo Attached | 49.42 |  | 773 | 63.16% | XXXXXXXXXX | XXXX | Credit | Credit | Provide documentation of the loan amount and payment for the new HELOC with XXXXX on XXXXX . The 1008 indicates this HELOC was for XXXXX and is being used for closing on the subject property. Audit used the XXXXX in available assets and XXXXX payment on the final 1003 for calculation purposes. Additional exceptions may apply upon review. | 12.15 HELOC documentation provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101225 | FL | Purchase | Owner Occupied | Condo Attached | 49.42 |  | 773 | 63.16% | XXXXXXXXXX | XXXX | Credit | Credit - Eligiblity | Provide the tax certificate for the subject property. Audit used XXXXX per year for calculation purposes. | 12.15 Tax Certificate provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101225 | FL | Purchase | Owner Occupied | Condo Attached | 49.42 |  | 773 | 63.16% | XXXXXXXXXX | XXXX | Credit | Income | Provide the most recent 2 years (XXXXX & XXXXX) 1040 tax transcripts for the borrowers as required by the guidelines full doc loans. | 12.15 Transcripts provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101256 | GA | Purchase | Owner Occupied | Single Family Detached | 49.59 |  | 755 | 85.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 408 - Residual Income Worksheet since the loan is a HPML. | 2.6 Form 408 provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101256 | GA | Purchase | Owner Occupied | Single Family Detached | 49.59 |  | 755 | 85.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide the certificate of occupancy from the city/county permit and inspection department since the subject is new construction. | 2.3 COO provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101256 | GA | Purchase | Owner Occupied | Single Family Detached | 49.59 |  | 755 | 85.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | 2.6 Electronic delivery receipt provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101256 | GA | Purchase | Owner Occupied | Single Family Detached | 49.59 |  | 755 | 85.00% | XXXXXXXXXX | XXXX | Credit | Hazard Insurance | According to the underwriting guidelines, hazard insurance is required on all loans. Dwelling coverage covering the loan 100% of the insurable value of the improvements as established by the property insurer or the unpaid balance of the mortgage/loan amount as long as it is equal to 80% of the insurable value of improvements on appraisal, whichever is lower. In this case, the hazard insurance reflects coverage of XXXXX . The policy does not indicate if there is replacement cost coverage. Provide replacement cost estimator to support lower coverage or update coverage amount. | 2.6 Insurance documentation provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101256 | GA | Purchase | Owner Occupied | Single Family Detached | 49.59 |  | 755 | 85.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide either a letter from the business accountant or a cash flow analysis to confirm the withdrawal of funds will not negatively impact the borrower's business since the XXXXX earnest money deposit was taken from the business account (XXXXX acct #XXXXX). | 2.14 Cleared with CPA verification. 2.13 There is still not explanation for the identity of the individual writing the letter. The letter states he is a CFO, but of what business? 2.6 The letter provided does not identify in what capacity the individual signing the letter has access to the borrower's financial/business information. Is he the CPA? |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101256 | GA | Purchase | Owner Occupied | Single Family Detached | 49.59 |  | 755 | 85.00% | XXXXXXXXXX | XXXX | Credit | Income | Provide documentation to confirm the deposits labeled "XXXXX " are income from the operation of the borrower's business, XXXXX . Additional exceptions may apply upon review. | 2.13 Cleared with further documentation.2.6 The bank statements classify these deposits as expense reimbursement. If these are reimbursements for expenses the borrower paid out of personal funds, that is not business revenue. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101203 | WA | Purchase | Owner Occupied | Single Family Detached | 49.51 |  | 723 | 75.00% | XXXXXXXXXX | XXXX | Credit | Asset Verification | Provide source of large deposit XXXXX ON XXXXX in XXXXX #XXXXX . XXXXX acct provided does not support balance for transfer. | 10.31 SOF statement provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101203 | WA | Purchase | Owner Occupied | Single Family Detached | 49.51 |  | 723 | 75.00% | XXXXXXXXXX | XXXX | Credit | Hazard Insurance | According to the underwriting guidelines, hazard insurance is required on all loans. Dwelling coverage covering the loan 100% of the insurable value of the improvements as established by the property insurer or the unpaid balance of the mortgage/loan amount as long as it is equal to 80% of the insurable value of improvements on appraisal, whichever is lower. In this case, the hazard insurance reflects coverage of XXXXX . Provide replacement cost estimator to support lower coverage or update coverage amount. | 10.31 Insurance coverage documentation for XXXXX provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101203 | WA | Purchase | Owner Occupied | Single Family Detached | 49.51 |  | 723 | 75.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide the note , taxes and hoi on for XXXXX . DTI pending. | 10.31 Documentation verifying payments provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101203 | WA | Purchase | Owner Occupied | Single Family Detached | 49.51 |  | 723 | 75.00% | XXXXXXXXXX | XXXX | Credit | Asset Verification | Provide source of earnest money of XXXXX. | 10.31 Evidence of EM source provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101203 | WA | Purchase | Owner Occupied | Single Family Detached | 49.51 |  | 723 | 75.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | 10.31 Evidence of appraisal acknowledgement provided, but we are looking for evidence of the borrower's receipt of the aprpaisal. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101203 | WA | Purchase | Owner Occupied | Single Family Detached | 49.51 |  | 723 | 75.00% | XXXXXXXXXX | XXXX | Credit | Credit Report | Verification of borrower's rental payment history is not included in the loan file . | 10.31 Payment history documented; evidence departure previously free & clear no prior liens. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101203 | WA | Purchase | Owner Occupied | Single Family Detached | 49.51 |  | 723 | 75.00% | XXXXXXXXXX | XXXX | Credit | Underwriting Condition Not Met | .Provide evidence XXXXX and XXXXX are owned free and clear or sold. If not sold document taxes and insurance on each. DTI pending. | 10.31 DataVerify & SS clear. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101196 | OH | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.5731 | 767 | 47.09% | XXXXXXXXXX | XXXX | Credit | VOM | The Verification of Mortgage (VOM) and/or the mortgage payment history on the XXXXX #XXXXX for XXXXX mortgage is not in the loan file. | 10/27/2022: Property was sold per settlement statement. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101257 | FL | Purchase | Owner Occupied | Single Family Detached | 47.87 |  | 752 | 80.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide a letter of explanation for the address of XXXXX on the borrower's drivers license. This address is not listed on the 1003 as the borrower's current or previous residence. If this is the borrower's current residence provide the housing history. | 1.31 Cleared with LOX |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101257 | FL | Purchase | Owner Occupied | Single Family Detached | 47.87 |  | 752 | 80.00% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines, a consistent pattern of withdrawals exceeding deposits on a monthly basis may result in disqualification. The XXXXX account #XXXXX for XXXXX . has 14 of the 24 months where withdrawals exceeds deposits (XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX & XXXXX). The XXXXX account #XXXXX for XXXXX . shows 6 of the 12 month where withdrawals exceed deposits (XXXXX . XXXXX , XXXXX, XXXXX , XXXXX & XXXXX). Provide a letter of explanation from the borrower or third party accountant for the withdrawals exceeding deposits | 1.31 Cleared with LOX. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101257 | FL | Purchase | Owner Occupied | Single Family Detached | 47.87 |  | 752 | 80.00% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines the borrower must be self-employed for two or more years. The borrower does not have a two year history of self-employment with XXXXX . The borrower purchased the business in XXXXX. | The file includes an approved exception dated XXXXX for the borrower having less than a 2 year history of self-employment with XXXXX. | Credit Score - The borrower has a 752 credit score which is 52 points above the required 700., Months Of Reserves - The borrower has XXXX months of reserves. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101257 | FL | Purchase | Owner Occupied | Single Family Detached | 47.87 |  | 752 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide documentation to confirm the XXXXX gift fund credit on the closing disclosure was from the gift donor XXXXX shown on the gift letter in the file. | 2.1 Cleared with wire receipt. 1.31 Gift letter provided does not confirm the source. Please provide wire documentation to show source of wire matches gift donor from letter. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101253 | GA | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.4776 | 776 | 70.00% | XXXXXXXXXX | XXXX | Credit | Initial 1003 | The initial 1003 was not signed and dated by the co-borrower (XXXXX). | 1.26 signed 1003 provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101261 | MI | Purchase | Owner Occupied | Single Family Detached | 46 |  | 712 | 80.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 408 - Residual Inccome Worksheet since it is an HPML and DTI ratio is over 43%. | 2.17 Form 408 provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101261 | MI | Purchase | Owner Occupied | Single Family Detached | 46 |  | 712 | 80.00% | XXXXXXXXXX | XXXX | Credit | Total Debt Ratio | The DTi ratio is 46% whcih exceeds the guideline of 45%. The 1008 shows a DTI ratio of 46.85%. | The file includes an approved exception dated XXXXX for the DTI ratio exceeding the maximum DTI ratio of 45% when there are non-occupying co-borrowers. | Months Of Reserves - The borrowers have XXXX months of reserves., Credit Score - The primary wage earner (XXXXX) has a 756 credit score which is 56 points above the required 700. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101242 | CO | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.4149 | 754 | 55.56% | XXXXXXXXXX | XXXX | Credit | Note | Note is not materially correct. The note shows the loan is a 30 year fixed mortgage with a PI payment of XXXXX; however, this payment is the IO payment. The Closing Disclosure shows the loan is a 30 year fixed 10 year IO mortgage. Provide an executed Interest Only Period Fixed Rate Note. | 3.3 IO Note provided and cleared 3.2 IO Note is still needed to clear this exception. 1.19 Cleared with PCCD revision |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101242 | CO | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.4149 | 754 | 55.56% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 415 - Certification of Non-Warrantable Condo nd Condotel. The 1008 indicates the subject property is a non-warrantable condo. | 1.19 Condo approval provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101200 | CA | Purchase | Owner Occupied | Two-Unit Property | 37.16 |  | 694 | 53.66% | XXXXXXXXXX | XXXX | Credit | Asset Verification | The XXXXX account XXXXX which is being used for qualifying income has a joint owner. The file includes a letter of explanation from the borrower indicating the joint owner, XXXXX , is only on the account for security and estate planning purposes. The letter also indicates none of the deposits to the account belong to the joint owner. The file also includes a letter of explanation from the joint owner the borrower has 100% access to the funds. | The file includes an approved exception dated XXXXX for the joint owner on the account that is being used for qualifying income with the letters of explanations from the borrower and joint owner regarding borrower's access to the account and having the joint owner on the account for estate purposes only. | LTV - The LTV is 53.66% which is 21.34% below the maximum allowed of 75%., Credit Score - The borrower has a 694 credit score which is 14 points above the required 680. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101200 | CA | Purchase | Owner Occupied | Two-Unit Property | 37.16 |  | 694 | 53.66% | XXXXXXXXXX | XXXX | Credit | Credit | Provide a letter of explanation executed by the borrower for the additional social security number of XXXXX reflected on the credit report. | Letter Provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101200 | CA | Purchase | Owner Occupied | Two-Unit Property | 37.16 |  | 694 | 53.66% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | Appraisal Acknowledgment provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101201 | OK | Purchase | Non-Owner Occupied | PUD | 50.78 |  | 807 | 55.00% | XXXXXXXXXX | XXXX | Credit | Total Debt Ratio | Audit calculated total debt ratio of 50.78% which exceeds the maximum allowed of 50%. The 1008 shows a 54.39% DTI ratio. The difference in the DTI ratio is due to audit calculated slightly less net rental loss on the 4 properties on the REO Schedule. | The file includes an approved exception dated XXXXX for the DTI ratio being over 50%. | LTV - The LTV is 55% which is 25% below the maximum allowed of 80%., Credit Score - The borrower has a 807 credit score which is 67 points above the required 740. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101201 | OK | Purchase | Non-Owner Occupied | PUD | 50.78 |  | 807 | 55.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide a certificate of occupancy from the city/county permit and inspection department since the subject is new construction. | Certificate of Occupancy provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101201 | OK | Purchase | Non-Owner Occupied | PUD | 50.78 |  | 807 | 55.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | Appraisal Acknowledgment provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101202 | TX | Purchase | Owner Occupied | Single Family Detached | 23.86 |  | 735 | 80.00% | XXXXXXXXXX | XXXX | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. | Rate Lock provided for Cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101202 | TX | Purchase | Owner Occupied | Single Family Detached | 23.86 |  | 735 | 80.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide either a cash flow analysis or a letter from the business accountant to confirm the withdrawal of funds will not negatively impact the business since the XXXXX account XXXXX is being using for the earnest money and funds to close. | 11.16 Letter provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101216 | TX | Purchase | Owner Occupied | Single Family Detached | 26.85 |  | 743 | 80.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The Initial Closing Disclosure is missing from the loan file. | 11/1/2022 - CD provided however the 1) The COC for the CD dated XXXXX is missing from the loan file. 2) The COC for the CD dated XXXXX is missing from the loan file. <br> 11/7/2022: The rate was locked on XXXXX , however a revised LE or CD was missing from the file corresponding with the lock date. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101216 | TX | Purchase | Owner Occupied | Single Family Detached | 26.85 |  | 743 | 80.00% | XXXXXXXXXX | XXXX | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. | 11/1/2022: Rate lock provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101216 | TX | Purchase | Owner Occupied | Single Family Detached | 26.85 |  | 743 | 80.00% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines, a consistent pattern of withdrawals exceeding deposit on a monthly basis if qualifying using business bank statements may result in disqualification. Twelve (XXXXX , XXXXX ,XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX ,& XXXXX) of the 24 months business bank statements have withdrawals exceeding deposits. Provide a letter of explanation for the borrower or third party account for issue. | 11.2 LOX provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101216 | TX | Purchase | Owner Occupied | Single Family Detached | 26.85 |  | 743 | 80.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | Appraisal acknowledgment provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101216 | TX | Purchase | Owner Occupied | Single Family Detached | 26.85 |  | 743 | 80.00% | XXXXXXXXXX | XXXX | Credit | Title | The Title Commitment in the file shows the loan policy amount at XXXXX ,but the loan amount is XXXXX . Provide an updated title commitment with the correct loan amount. | 11.2 Rcvd revised title |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101216 | TX | Purchase | Owner Occupied | Single Family Detached | 26.85 |  | 743 | 80.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide the insurance and tax statements for XXXXX and XXXXX. The DTI ratio is pending. | 11.2 Received tax statements |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101217 | NC | Purchase | Non-Owner Occupied | Townhome | 0 | 0.8363 | 705 | 70.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | According to the underwriting guidelines, all LLC authorized signers must sign all documents except the AKA Statement, Automatic Withdrawal Authorization and Loan Application. In this case, XXXXX other owner who has 49% ownership XXXXX did not sign any of the documents for the subject loan. | Lender provided a personal guarantee by the borrower and therefore no one else is required to sign any closing documents. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101217 | NC | Purchase | Non-Owner Occupied | Townhome | 0 | 0.8363 | 705 | 70.00% | XXXXXXXXXX | XXXX | Credit | Funds to Close | Provide either a cash flow analysis or a letter from the business accountant to confirm that the withdrawal will not negatively impact the business since XXXXX XXXXX account #XXXXX is being used for closing. | CPA letter provided. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101217 | NC | Purchase | Non-Owner Occupied | Townhome | 0 | 0.8363 | 705 | 70.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide the notarized Form 409 - Business Purpose & Occupancy Affidavit. The form in the file was signed by the borrower but was not notarized. | Form provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101217 | NC | Purchase | Non-Owner Occupied | Townhome | 0 | 0.8363 | 705 | 70.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide a certificate of occupancy from the city/county permit and inspection department since the subject is new construction. | COO provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101217 | NC | Purchase | Non-Owner Occupied | Townhome | 0 | 0.8363 | 705 | 70.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide the photos of the 3 rental comparables. | Photos provided. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101217 | NC | Purchase | Non-Owner Occupied | Townhome | 0 | 0.8363 | 705 | 70.00% | XXXXXXXXXX | XXXX | Credit | Closing Disclosure | The Seller Closing Disclosure is not included in the loan file. | CD provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101217 | NC | Purchase | Non-Owner Occupied | Townhome | 0 | 0.8363 | 705 | 70.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide the tax certificate for the subject property to confirm the annual tax of XXXXX used in qualifying is for the land and the home. | Tax cert provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101217 | NC | Purchase | Non-Owner Occupied | Townhome | 0 | 0.8363 | 705 | 70.00% | XXXXXXXXXX | XXXX | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. | LE provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101198 | VA | Purchase | Non-Owner Occupied | Single Family Detached | 32.18 |  | 741 | 75.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | 11.9 document receipt is not the correct document to show the date that the borrower received the appraisal<br> 11/15/2022: Document provided to clear condition. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101198 | VA | Purchase | Non-Owner Occupied | Single Family Detached | 32.18 |  | 741 | 75.00% | XXXXXXXXXX | XXXX | Credit | Income | Provide the YTD P&L Statement and YTD Balance Sheet for the borrower's business, XXXXX as required by the guidelines. The file only included the P&L statement analysis completed by the lender. | Balance Sheet Provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101198 | VA | Purchase | Non-Owner Occupied | Single Family Detached | 32.18 |  | 741 | 75.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | According to the underwriting guidelines, a non-arm's length purchase transaction is allowed on a primary residence only with a letter of explanation. In this case, the subject is investment property with the borrower providing a letter of explanation. | The file includes an approved exception date XXXXX for the non-arms length transaction on an investment property | Credit Score - The borrower has a 741 credit score which is 41 point above the required 700., Months Of Reserves - The borrower has XXXX months of reserves. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101198 | VA | Purchase | Non-Owner Occupied | Single Family Detached | 32.18 |  | 741 | 75.00% | XXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | Signed 1008 provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101211 | SC | Purchase | Owner Occupied | Condo Attached | 39.59 |  | 721 | 75.00% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines, a borrower's income may be considered effective and stable if the borrower has recently returned to work after an extended absence if the borrower has been on the current job for 6 months. In this case, the co-borrower's income was used for qualifying; however, co-borrower was on an extended absence since XXXXX until XXXXX started with the current employer in XXXXX , which is less than 6 months.. | The file includes an approved exception dated XXXXX for the co-borrower re-entering the workforce and being employed on current job for only 2 months. | Credit Score - The primary wage earner has a credit score of 721 which is 21 points above the required 700., LTV - The LTV is 75% which is 5% below the maximum allowed of 80%. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101211 | SC | Purchase | Owner Occupied | Condo Attached | 39.59 |  | 721 | 75.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide form 407 - Underwriter ATR Attestation and Form 408 - Residual Income Worksheet since the subject is a HPML as required by the guidelines. | 11.28 Form provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101211 | SC | Purchase | Owner Occupied | Condo Attached | 39.59 |  | 721 | 75.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrowers received a copy of the appraisal. | Appraisal acknowledgement provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101211 | SC | Purchase | Owner Occupied | Condo Attached | 39.59 |  | 721 | 75.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide documentation of the HOA dues for XXXXX. The REO on the final 1003 shows monthly maintenance fees of XXXXX and XXXXX respectively. These fees appear to be HOA dues since the mortgages statements for the two properties show taxes and insurance are included in the payment. Audit used the monthly fees for calculation purposes. DTI ratio is pending. | Documentation of the HOA dues provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101231 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 37.39 |  | 770 | 63.00% | XXXXXXXXXX | XXXX | Credit | Income | According to the underwriting guidelines, a consistent pattern of withdrawals exceeding deposits on a monthly basis if qualifying using business bank statements may result in disqualification and the letter of explanation must be from the borrower or third party accountant. In this case, 10 (XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX , XXXXX & XXXXX) of the 12 monthly business bank statements used show withdrawals exceeding deposits. The letter of explanation addresses 9 of the 12 months and it is from the third owner off the business which is not acceptable. Provide a letter of explanation for the 10 months where withdrawals exceeded deposits from either the borrowers or a third party accountant. | LOE provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101231 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 37.39 |  | 770 | 63.00% | XXXXXXXXXX | XXXX | Credit | Income | Provide documentation of the number of employees XXXXX as required by the guidelines. The business narrative provided in the file does not indicate the number of employees | Documentation of the number of employees provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101231 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 37.39 |  | 770 | 63.00% | XXXXXXXXXX | XXXX | Credit | Employment-Self Employment | Provide third party verification of the borrowers' ownership in XXXXX . The ownership percentage provided in the file appears to be from the borrowers. | 12.15 CPA verification provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101231 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 37.39 |  | 770 | 63.00% | XXXXXXXXXX | XXXX | Property | Appraisal | The subject loan is an investment property transaction; however, the appraisal shows the subject property is owner occupied. Provide an explanation for this discrepancy. | 12.15 Revised appraisal provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101232 | NV | Purchase | Owner Occupied | Single Family Detached | 30.76 |  | 702 | 42.41% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 407 - Underwriter ATR Attestation and From 408 Residual Income Worksheet since the subject is a HPML. | 12.23 Attestation provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101232 | NV | Purchase | Owner Occupied | Single Family Detached | 30.76 |  | 702 | 42.41% | XXXXXXXXXX | XXXX | Credit | Income | Provide documentation the borrower received the security deposit or first month's rent for the lease on the borrower's departing residence at XXXXX since rental income is being included in qualifying per the guidelines. | Documentation of Security Deposit Check provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101219 | NC | Purchase | Owner Occupied | Townhome | 33.65 |  | 737 | 80.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The Change of Circumstance for the revised Closing Disclosure dated XXXXX is missing from the loan file. | 11.8 COC provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101219 | NC | Purchase | Owner Occupied | Townhome | 33.65 |  | 737 | 80.00% | XXXXXXXXXX | XXXX | Compliance | Rate Lock | Evidence of the Rate Lock date is missing from the loan file. | 11.8 Rate lock provided. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101219 | NC | Purchase | Owner Occupied | Townhome | 33.65 |  | 737 | 80.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide From 407 - Underwriter ATR Attestation and Form 408 - Residual Income Worksheet which is needed since this is a HPML. | 11.7 Form provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101219 | NC | Purchase | Owner Occupied | Townhome | 33.65 |  | 737 | 80.00% | XXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document is not included in the loan file for a manually underwritten loan. This form also needs to be signed. | 11.7 1008 provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101219 | NC | Purchase | Owner Occupied | Townhome | 33.65 |  | 737 | 80.00% | XXXXXXXXXX | XXXX | Credit | Credit Report | The complete original credit report is not included in the loan file. Audit used the debts from the application for calculation purposes. Additional exceptions may apply upon review. | 11.7 credit report provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101219 | NC | Purchase | Owner Occupied | Townhome | 33.65 |  | 737 | 80.00% | XXXXXXXXXX | XXXX | Credit | Credit Report | Verification of borrower's rental payment history for the most recent 12 months is not included in the loan file. Provide the rental pay history from XXXXX through XXXXX at XXXXX . The file included the rental pay history from XXXXX through XXXXX. | 11.7 Documentation provided does not cover the period of XXXXX thru XXXXX, it covers XXXXX - XXXXX. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101219 | NC | Purchase | Owner Occupied | Townhome | 33.65 |  | 737 | 80.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide the certificate of occupancy from the city/county inspection & permit department since the subject is new construction. | 11.7 CO provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101219 | NC | Purchase | Owner Occupied | Townhome | 33.65 |  | 737 | 80.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | Appraisal acknowledgement provided for cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101219 | NC | Purchase | Owner Occupied | Townhome | 33.65 |  | 737 | 80.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide the Fannie Mae Collateral Underwriter report. If the Risk score is over 2.5, a desktop valuation analysis from an approved XXXXX vendor will also be needed. | 11.7 UCDP provided. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101219 | NC | Purchase | Owner Occupied | Townhome | 33.65 |  | 737 | 80.00% | XXXXXXXXXX | XXXX | Property | Appraisal - Construction-Permanent | The Certification of Completion is not included in the loan file. | Appraisal completion report provided for cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101219 | NC | Purchase | Owner Occupied | Townhome | 33.65 |  | 737 | 80.00% | XXXXXXXXXX | XXXX | Credit | Sales / Construction Contract | Sales contract is not included in the loan file. | Sales contract provided for cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101234 | MN | Purchase | Owner Occupied | Single Family Detached | 10.99 |  | 733 | 80.00% | XXXXXXXXXX | XXXX | Compliance | Other | The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance. The final charges that in total cannot increase more than 10% XXXXX exceed the comparable charges XXXXX by more than 10%. | Post consummation CD provided to clear condition. |  | Cleared Exception B | 2 |
| XXXXXXXXXX | XXXX | 4350101234 | MN | Purchase | Owner Occupied | Single Family Detached | 10.99 |  | 733 | 80.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 407 - Underwriter ATR Attestation and Form 408 - Residual Income Worksheet as required by the guidelines since loan is a HPML. | Form 407 provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101234 | MN | Purchase | Owner Occupied | Single Family Detached | 10.99 |  | 733 | 80.00% | XXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | 12.19 1008 provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101234 | MN | Purchase | Owner Occupied | Single Family Detached | 10.99 |  | 733 | 80.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide a desktop valuation analysis from an approved XXXXX vendor as required by the guidelines since the Collateral Underwriter Risk Score of 3.2 exceeds the maximum allowed of 2.5. | 12.27 Desk review provided.12.20 The documentation provided is insufficient. A CDA is required. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101234 | MN | Purchase | Owner Occupied | Single Family Detached | 10.99 |  | 733 | 80.00% | XXXXXXXXXX | XXXX | Credit | Income | Provide Form 404 - Bank Statement Calculator. | 12.19 Bk statement calculator provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101234 | MN | Purchase | Owner Occupied | Single Family Detached | 10.99 |  | 733 | 80.00% | XXXXXXXXXX | XXXX | Credit | Income | Provide a letter of explanation addressing the move from XXXXX to XXXXX and how the move will affect the business income of XXXXX since the qualifying income is from this business. | 12.19 LOE provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101234 | MN | Purchase | Owner Occupied | Single Family Detached | 10.99 |  | 733 | 80.00% | XXXXXXXXXX | XXXX | Credit | Income | Provide a business narrative for XXXXX that includes description of business/business profile, number of employees, location, rent (if applicable), equipment/materials, estimated cost of goods sold (if applicable) and client base. Audit used a 50% business expense ratio for calculation purposes. Additional exceptions may apply upon review. | 12.19 LOE provided |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101195 | TN | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 0.9584 | 766 | 70.00% | XXXXXXXXXX | XXXX | Credit | Asset Verification | Provide the most recent consecutive 2 months bank stmts dated within 90 days prior to the note date supporting funds to close XXXXX and 9 months reserves (XXXXX). . | 11.16 bank statements provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101195 | TN | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 0.9584 | 766 | 70.00% | XXXXXXXXXX | XXXX | Credit | Closing Disclosure | The intial Closing Disclosure is not included in the loan file. | 11.16 Initial CD provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101195 | TN | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 0.9584 | 766 | 70.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide evidence XXXXX , XXXXX and XXXXX are owned free and clear , along with taxes, hoi and HOA or mtg stmt. | Documents provided for cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101195 | TN | Purchase | Non-Owner Occupied | Single Family Attached | 0 | 0.9584 | 766 | 70.00% | XXXXXXXXXX | XXXX | Credit | Underwriting Condition Not Met | Provide signed notarized Form 409 Business Purpose & Occupancy Affidavit. | Form 409 provided |  | Cleared Exception D A | 1 |
| XXXXXXXXXX | XXXX | 4350101221 | SC | Refi - Cash Out | Owner Occupied | Single Family Detached | 45.58 |  | 721 | 67.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The Initial Closing Disclosure signed at least 3 business days prior to closing is missing from the loan file. | Initial Closing Disclosure Provided for Cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101221 | SC | Refi - Cash Out | Owner Occupied | Single Family Detached | 45.58 |  | 721 | 67.00% | XXXXXXXXXX | XXXX | Compliance | Loan Estimate | Revised Loan Estimates are missing from the file. | LOE stating no revised LE's were required on this transaction provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101221 | SC | Refi - Cash Out | Owner Occupied | Single Family Detached | 45.58 |  | 721 | 67.00% | XXXXXXXXXX | XXXX | Property | Appraisal | The subject property is located in a disaster area (XXXXX). Provide a third party exterior property inspection for the subject property. Additional exceptions may apply upon review. Hurricane XXXXX made landfall in XXXXX near XXXXX on XXXXX and the appraisal was completed XXXXX. | Property is not in individual assistance area |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101221 | SC | Refi - Cash Out | Owner Occupied | Single Family Detached | 45.58 |  | 721 | 67.00% | XXXXXXXXXX | XXXX | Credit | Hazard Insurance | According to the underwriting guidelines, hazard insurance is required on all loans. Dwelling coverage must cover the loan, 100% of the insurable value of the improvements as established by the property insurer or the unpaid balance of the mortgage loan amount as long as it is equal to 80% of the insurable value of improvements on appraisal, whichever is lower. In this case, the hazard insurance reflects coverage of XXXXX . The policy does not indicate if there is replacement cost coverage. The subject loan amount is XXXXX and the replacement estimate in file shows a replacement cost of XXXXX . Provide an updated insurance policy with the higher coverage amount equal to at least the replacement estimate. | HOI provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101228 | TN | Purchase | Non-Owner Occupied | PUD | 0 | 1.3899 | 685 | 36.54% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | Appraisal acknowledgment provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101235 | TX | Purchase | Owner Occupied | PUD | 47.97 |  | 805 | 86.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The Initial Closing Disclosure is missing from the loan file. | The Initial Closing Disclosure provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101235 | TX | Purchase | Owner Occupied | PUD | 47.97 |  | 805 | 86.00% | XXXXXXXXXX | XXXX | Credit | Employment | The Verbal Verification of Employment for the borrower from XXXXX dated within 10 business days prior to the Note date is not in the file. | 12.28 VVOE provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101204 | FL | Purchase | Owner Occupied | Single Family Detached | 18.05 |  | 759 | 55.56% | XXXXXXXXXX | XXXX | Compliance | Other | This loan failed the TILA finance charge test. The finance charge is XXXXX . The disclosed finance charge of XXXXX is understated by more than $100. | LOE and Finance Charge calculations provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101204 | FL | Purchase | Owner Occupied | Single Family Detached | 18.05 |  | 759 | 55.56% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The Change of Circumstances for the Closing Disclosure dated XXXXX is missing from the loan file. | LOE stating COC is not applicable provided for Cure |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101204 | FL | Purchase | Owner Occupied | Single Family Detached | 18.05 |  | 759 | 55.56% | XXXXXXXXXX | XXXX | Credit | VOM | Provide the Verification of Mortgage (VOM) and/or the mortgage payment history on XXXXX #XXXXX and #XXXXX and XXXXX #XXXXX and, #XXXXX for XXXXX . | 11.18 Received credit supplement |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101204 | FL | Purchase | Owner Occupied | Single Family Detached | 18.05 |  | 759 | 55.56% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | 11.18 Received evidence of delivery |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101206 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 0.8269 | 797 | 70.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | 11.18 Proof sent to borrower provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101206 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 0.8269 | 797 | 70.00% | XXXXXXXXXX | XXXX | Property | Appraisal | Provide the certificate of occupancy from the city/county permit & inspection department since the subject is new construction built in XXXXX . | 11.18 not required by county |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101206 | TX | Purchase | Non-Owner Occupied | PUD | 0 | 0.8269 | 797 | 70.00% | XXXXXXXXXX | XXXX | Credit | Debt Service Coverage Ratio | Provide a satisfactory letter of explanation from the appraiser addressing the difference in the market rent between Form 1007 and Form 216 that were included in the appraisal. Form 1007 shows market rent of XXXXX and Form 216 shows market rent of XXXXX . Audit used the XXXXX market rent for calculation purposes. The DSCR would not be acceptable using the XXXXX market rent (0.62) since the guidelines require a minimum of 0.75. Additional exceptions may apply upon review. | Letter of Explanation provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101238 | FL | Refi - Cash Out | Owner Occupied | PUD | 47.11 |  | 799 | 75.00% | XXXXXXXXXX | XXXX | Credit | Homeownership counseling | The Homeownership Counseling Disclosure document is missing from the loan file. | Disclosure provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101238 | FL | Refi - Cash Out | Owner Occupied | PUD | 47.11 |  | 799 | 75.00% | XXXXXXXXXX | XXXX | Compliance | Loan Estimate | The Written List of Service Providers document is missing from the loan file. | Disclosure provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101238 | FL | Refi - Cash Out | Owner Occupied | PUD | 47.11 |  | 799 | 75.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The Initial Closing Disclosure is missing from the loan file. | Initial CD provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101238 | FL | Refi - Cash Out | Owner Occupied | PUD | 47.11 |  | 799 | 75.00% | XXXXXXXXXX | XXXX | Credit | Employment | Provide a Verbal Verification of Employment for the borrower and co-borrower from XXXXX dated within 10 business days prior to the Note date. | VVOEs provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101238 | FL | Refi - Cash Out | Owner Occupied | PUD | 47.11 |  | 799 | 75.00% | XXXXXXXXXX | XXXX | Credit | Hazard Insurance | According to the underwriting guidelines, hazard insurance is required on all loans. Dwelling coverage covering the loan 100% of the insurable value of the improvements as established by the property insurer or the unpaid balance of the mortgage/loan amount as long as it is equal to 80% of the insurable value of improvements on appraisal, whichever is lower. In this case, the hazard insurance reflects coverage is XXXXX which is less than the loan amount of XXXXX . The policy does not indicate if there is replacement cost coverage. Provide either an updated policy or a replacement cost estimator. | Proof of coverage provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101238 | FL | Refi - Cash Out | Owner Occupied | PUD | 47.11 |  | 799 | 75.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | Tolerance failure. The CD dated XXXXX included an increase in "Loan Discount" Fee however a COC for the increase is missing from the loan file. The CD dated XXXXX included an increase in "Appraisal" fee & "Credit Report" fee, however a COC for the increase is missing from the loan file. | COC provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101205 | FL | Purchase | Owner Occupied | Condo Attached | 34.09 |  | 769 | 70.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The initial Closing Disclosure signed at least 3 business days prior to closing is missing from the loan file. | 11.16 CD provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101205 | FL | Purchase | Owner Occupied | Condo Attached | 34.09 |  | 769 | 70.00% | XXXXXXXXXX | XXXX | Compliance | Loan Estimate | The Written List of Service Providers is missing from the loan file. | 11.16 List provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101205 | FL | Purchase | Owner Occupied | Condo Attached | 34.09 |  | 769 | 70.00% | XXXXXXXXXX | XXXX | Credit | Employment-Self Employment | Provide third party verification the borrower has 100% ownership in XXXXX . The corporate record provided in the file does not reflect the members/managers of the company. The business bank statement qualifying income was based on the borrower being 100% owner of the business. Additional exceptions may apply upon review. | 11.16 CPA verification provided |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101205 | FL | Purchase | Owner Occupied | Condo Attached | 34.09 |  | 769 | 70.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 414 - Certification of Condominium Warrantability. | Condo Approval provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101252 | NC | Purchase | Second Home | Condo Attached | 33.18 |  | 800 | 80.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The Change of Circumstance for the Closing Disclosure dated XXXXX is missing from the loan file. | LOE stating COC not required provided for cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101252 | NC | Purchase | Second Home | Condo Attached | 33.18 |  | 800 | 80.00% | XXXXXXXXXX | XXXX | Credit | Credit | According to the underwriting guidelines, a executed letter of explanation from the borrowers stating the balance in 30 day accounts will be paid in full utilizing exiting reserves is required if the payment (equal to the outstanding balance) is not included in the DTI ratio. In this case, the XXXXX account #XXXXX has a balance of XXXXX which if included, the DTI ratio would exceed guidelines. Audit deducted the balance from the available assets. Provide an executed letter of explanation from the borrowers stating existing reserves will be used to pay off the account. | 1.19 LOE provided. 1.12 The credit supplement does not satisfy the condition. We still need the LOE per guidelines (Section 350) |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101252 | NC | Purchase | Second Home | Condo Attached | 33.18 |  | 800 | 80.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | Provide Form 403 - Borrowers' ATR Certification and Form 415 - Certification of Non-Warrantable Condo and Condotel. | 1.19 Form 403 & condo approval provided. |  | Cleared Exception A | 1 |
| XXXXXXXXXX | XXXX | 4350101260 | CA | Purchase | Owner Occupied | Single Family Detached | 23.72 |  | 783 | 90.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The Initial Closing Disclosure is missing from the loan file. | The Initial Closing Disclosure provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101260 | CA | Purchase | Owner Occupied | Single Family Detached | 23.72 |  | 783 | 90.00% | XXXXXXXXXX | XXXX | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. | Rate Lock agreement provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101260 | CA | Purchase | Owner Occupied | Single Family Detached | 23.72 |  | 783 | 90.00% | XXXXXXXXXX | XXXX | Credit | Note | There is a discrepancy in the late payment percentage charge between the Note and the final Closing Disclosure. The Note shows 4% and the Closing Disclosure shows 5%. Provide confirmation which late payment percentage is correct. | Documents provided by seller to show LE late payment matches note. Final CD per SFIG 3.0 is outside of scope. Cleared Exception. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101260 | CA | Purchase | Owner Occupied | Single Family Detached | 23.72 |  | 783 | 90.00% | XXXXXXXXXX | XXXX | Credit | Credit | Provide the borrower's rental payment history at XXXXX with canceled checks (front & back) or a verification of rent on a Fannie Mae acceptable form for the period from XXXXX through XXXXX , XXXXX through XXXXX and XXXXX to confirm no 30 day late payments in the last 12 months. The file contains canceled checks for the rent payments in XXXXX , XXXXX and XXXXX (provided in the XXXXX #XXXXX statements in file). | 1.9 Cleared with documentation |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101260 | CA | Purchase | Owner Occupied | Single Family Detached | 23.72 |  | 783 | 90.00% | XXXXXXXXXX | XXXX | Credit | Employment-Self Employment | Provide third party verification of the borrower's 100% ownership in XXXXX and XXXXX. | 1.9 Cleared with CPA letters. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101260 | CA | Purchase | Owner Occupied | Single Family Detached | 23.72 |  | 783 | 90.00% | XXXXXXXXXX | XXXX | Credit | Program Eligibilty | According to the underwriting guidelines, payment shock cannot exceed 150% when the borrower is a first time homebuyer who has never owned a residential property. In this case, the borrower is a first time homebuyer and the payment shock is 307.11% (XXXXX /XXXXX - from XXXXX canceled check) which exceed the maximum allowed. | The file includes an approved exception dated XXXXX for the payment shock exceeding 150%. | Months Of Reserves - The borrower has XXXX months of reserves., Credit Score - The borrower has a 783 credit score which is 23 points above the required 760. | Client Accepted B | 2 |
| XXXXXXXXXX | XXXX | 4350101260 | CA | Purchase | Owner Occupied | Single Family Detached | 23.72 |  | 783 | 90.00% | XXXXXXXXXX | XXXX | Credit | Credit - Eligiblity | Provide documentation of the annual taxes for the property on the installment land contract (XXXXX acres XXXXX). Audit used XXXXX from the REO Schedule on the final 1003 for calculation purposes. | Documents provided for cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXX | XXXX | 4350101260 | CA | Purchase | Owner Occupied | Single Family Detached | 23.72 |  | 783 | 90.00% | XXXXXXXXXX | XXXX | Compliance | Closing Disclosure | Tolerance failure. This loan failed the high cost mortgage points and fees threshold as the total points and fees is XXXXX, which exceeds 5 % of the total loan amount of XXXXX . The total discount points was included in the points and fees. If the fee is bona fide provide documentation showing the undiscounted rate. | 1.13 The total loan amount is actually XXXXX . The total loan amount is defined by legislation by subtracting the prepaid finance charges by the loan amount. <br> 2/8/2023: Post consummation CD provided to clear condition. |  | Cleared Exception B | 2 |
| XXXXXXXXXX | XXXX | 4350101199 | MA | Purchase | Non-Owner Occupied | Single Family Detached | 41.77 |  | 788 | 70.00% | XXXXXXXXXX |  |  |  |  |  |  | A |  |

---

## Exhibit 99.13

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.13**

**Rating Agency Grades: 3/3/2023**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Dummy ID** | **Note Original Balance** |
| XXXXXXXXXX | XXXX | 4350101243 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101244 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101200 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101201 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101202 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101230 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101220 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101240 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101245 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101212 | XXXXXXXXXX D A |
| XXXXXXXXXX | XXXX | 4350101222 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101226 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101241 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101216 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101217 | XXXXXXXXXX D C A |
| XXXXXXXXXX | XXXX | 4350101198 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101211 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101231 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101232 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101233 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101258 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101207 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101219 | XXXXXXXXXX D C A |
| XXXXXXXXXX | XXXX | 4350101239 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101246 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101247 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101248 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101215 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101234 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101208 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101195 | XXXXXXXXXX D A |
| XXXXXXXXXX | XXXX | 4350101221 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101228 | XXXXXXXXXX A C |
| XXXXXXXXXX | XXXX | 4350101223 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101213 | XXXXXXXXXX D C A |
| XXXXXXXXXX | XXXX | 4350101235 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101249 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101254 | XXXXXXXXXX A C |
| XXXXXXXXXX | XXXX | 4350101250 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101227 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101214 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101229 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101236 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101210 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101204 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101209 | XXXXXXXXXX D C A |
| XXXXXXXXXX | XXXX | 4350101259 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101199 | XXXXXXXXXX A |
| XXXXXXXXXX | XXXX | 4350101224 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101237 | XXXXXXXXXX D A |
| XXXXXXXXXX | XXXX | 4350101260 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101251 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101218 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101255 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101206 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101197 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101225 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101256 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101203 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101196 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101238 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101205 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101252 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101257 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101253 | XXXXXXXXXX C A |
| XXXXXXXXXX | XXXX | 4350101261 | XXXXXXXXXX C A B |
| XXXXXXXXXX | XXXX | 4350101242 | XXXXXXXXXX C A |

---

## Exhibit 99.14

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.14**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TPR Loan Number** | **Dummy ID** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXXX | XXXX | 4350101222 | 77 | 75 | LTV | -2 | Yes |
| XXXXXXXXXX | XXXX | 4350101213 | 58 | 57.2772 | LTV | -0.7228 | Yes |
| XXXXXXXXXX | XXXX | 4350101225 | 64 | 63.1579 | LTV | -0.8421 | Yes |
| XXXXXXXXXX | XXXX | 4350101224 | 40 | 39.302 | LTV | -0.698 | Yes |
| XXXXXXXXXX | XXXX | 4350101230 | 113 | 90 | LTV | -23 | Yes |
| XXXXXXXXXX | XXXX | 4350101232 | 43 | 42.4115 | LTV | -0.5885 | Yes |
| XXXXXXXXXX | XXXX | 4350101247 | 69 | 70 | LTV | 1 | Yes |
| XXXXXXXXXX | XXXX | 4350101196 | 48 | 47.0899 | LTV | -0.9101 | Yes |
| XXXXXXXXXX | XXXX | 4350101254 | 54 | 53.0973 | LTV | -0.9027 | Yes |
| XXXXXXXXXX | XXXX | 4350101222 | 77 | 75 | CLTV | -2 | Yes |
| XXXXXXXXXX | XXXX | 4350101213 | 58 | 57.2772 | CLTV | -0.7228 | Yes |
| XXXXXXXXXX | XXXX | 4350101225 | 64 | 63.1579 | CLTV | -0.8421 | Yes |
| XXXXXXXXXX | XXXX | 4350101224 | 40 | 39.302 | CLTV | -0.698 | Yes |
| XXXXXXXXXX | XXXX | 4350101230 | 113 | 90 | CLTV | -23 | Yes |
| XXXXXXXXXX | XXXX | 4350101232 | 43 | 42.4115 | CLTV | -0.5885 | Yes |
| XXXXXXXXXX | XXXX | 4350101247 | 69 | 70 | CLTV | 1 | Yes |
| XXXXXXXXXX | XXXX | 4350101196 | 48 | 47.0899 | CLTV | -0.9101 | Yes |
| XXXXXXXXXX | XXXX | 4350101254 | 54 | 53.0973 | CLTV | -0.9027 | Yes |
| XXXXXXXXXX | XXXX | 4350101230 | XXXXXXXX | XXXXXXXX | Original Balance | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101207 | XXXXXXXX | XXXXXXXX | P&I Payment | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101214 | XXXXXXXX | XXXXXXXX | P&I Payment | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101227 | XXXXXXXX | XXXXXXXX | P&I Payment | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101230 | XXXXXXXX | XXXXXXXX | P&I Payment | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101239 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101228 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101219 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101226 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101244 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101217 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101248 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101246 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101247 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101233 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101241 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXX | Yes |
| XXXXXXXXXX | XXXX | 4350101207 | 8.815 | 8.875 | Interest Rate | 0.06 | Yes |
| XXXXXXXXXX | XXXX | 4350101230 | 6.125 | 9.375 | Interest Rate | 3.25 | Yes |
| XXXXXXXXXX | XXXX | 4350101200 | 699 | 694 | FICO | -5 | Yes |
| XXXXXXXXXX | XXXX | 4350101201 | 820 | 807 | FICO | -13 | Yes |
| XXXXXXXXXX | XXXX | 4350101202 | 740 | 735 | FICO | -5 | Yes |
| XXXXXXXXXX | XXXX | 4350101211 | 717 | 721 | FICO | 4 | Yes |
| XXXXXXXXXX | XXXX | 4350101226 | 792 | 787 | FICO | -5 | Yes |
| XXXXXXXXXX | XXXX | 4350101220 | 745 | 761 | FICO | 16 | Yes |
| XXXXXXXXXX | XXXX | 4350101214 | 712 | 711 | FICO | -1 | Yes |
| XXXXXXXXXX | XXXX | 4350101221 | 750 | 721 | FICO | -29 | Yes |
| XXXXXXXXXX | XXXX | 4350101222 | 724 | 706 | FICO | -18 | Yes |
| XXXXXXXXXX | XXXX | 4350101213 | 771 | 778 | FICO | 7 | Yes |
| XXXXXXXXXX | XXXX | 4350101234 | 760 | 733 | FICO | -27 | Yes |
| XXXXXXXXXX | XXXX | 4350101225 | 778 | 773 | FICO | -5 | Yes |
| XXXXXXXXXX | XXXX | 4350101231 | 750 | 770 | FICO | 20 | Yes |
| XXXXXXXXXX | XXXX | 4350101224 | 810 | 806 | FICO | -4 | Yes |
| XXXXXXXXXX | XXXX | 4350101237 | 767 | 772 | FICO | 5 | Yes |
| XXXXXXXXXX | XXXX | 4350101218 | 793 | 786 | FICO | -7 | Yes |
| XXXXXXXXXX | XXXX | 4350101230 | 797 | 781 | FICO | -16 | Yes |
| XXXXXXXXXX | XXXX | 4350101229 | 814 | 797 | FICO | -17 | Yes |
| XXXXXXXXXX | XXXX | 4350101235 | 813 | 805 | FICO | -8 | Yes |
| XXXXXXXXXX | XXXX | 4350101252 | 814 | 800 | FICO | -14 | Yes |
| XXXXXXXXXX | XXXX | 4350101248 | 760 | 754 | FICO | -6 | Yes |
| XXXXXXXXXX | XXXX | 4350101246 | 730 | 728 | FICO | -2 | Yes |
| XXXXXXXXXX | XXXX | 4350101247 | 804 | 780 | FICO | -24 | Yes |
| XXXXXXXXXX | XXXX | 4350101260 | 790 | 783 | FICO | -7 | Yes |
| XXXXXXXXXX | XXXX | 4350101245 | 739 | 732 | FICO | -7 | Yes |
| XXXXXXXXXX | XXXX | 4350101250 | 728 | 708 | FICO | -20 | Yes |
| XXXXXXXXXX | XXXX | 4350101233 | 825 | 727 | FICO | -98 | Yes |
| XXXXXXXXXX | XXXX | 4350101249 | 798 | 784 | FICO | -14 | Yes |
| XXXXXXXXXX | XXXX | 4350101243 | 792 | 777 | FICO | -15 | Yes |
| XXXXXXXXXX | XXXX | 4350101241 | 801 | 702 | FICO | -99 | Yes |
| XXXXXXXXXX | XXXX | 4350101239 | 793 | 779 | FICO | -14 | Yes |
| XXXXXXXXXX | XXXX | 4350101203 | 743 | 723 | FICO | -20 | Yes |
| XXXXXXXXXX | XXXX | 4350101197 | 788 | 773 | FICO | -15 | Yes |
| XXXXXXXXXX | XXXX | 4350101196 | 754 | 767 | FICO | 13 | Yes |
| XXXXXXXXXX | XXXX | 4350101195 | 746 | 766 | FICO | 20 | Yes |
| XXXXXXXXXX | XXXX | 4350101228 | 693 | 685 | FICO | -8 | Yes |
| XXXXXXXXXX | XXXX | 4350101216 | 781 | 743 | FICO | -38 | Yes |
| XXXXXXXXXX | XXXX | 4350101210 | 774 | 751 | FICO | -23 | Yes |
| XXXXXXXXXX | XXXX | 4350101199 | 778 | 788 | FICO | 10 | Yes |
| XXXXXXXXXX | XXXX | 4350101219 | 732 | 737 | FICO | 5 | Yes |
| XXXXXXXXXX | XXXX | 4350101238 | 801 | 799 | FICO | -2 | Yes |
| XXXXXXXXXX | XXXX | 4350101198 | 767 | 741 | FICO | -26 | Yes |
| XXXXXXXXXX | XXXX | 4350101205 | 777 | 769 | FICO | -8 | Yes |
| XXXXXXXXXX | XXXX | 4350101206 | 808 | 797 | FICO | -11 | Yes |
| XXXXXXXXXX | XXXX | 4350101208 | 771 | 770 | FICO | -1 | Yes |
| XXXXXXXXXX | XXXX | 4350101209 | 806 | 796 | FICO | -10 | Yes |
| XXXXXXXXXX | XXXX | 4350101257 | 758 | 752 | FICO | -6 | Yes |
| XXXXXXXXXX | XXXX | 4350101251 | 721 | 705 | FICO | -16 | Yes |
| XXXXXXXXXX | XXXX | 4350101240 | 756 | 794 | FICO | 38 | Yes |
| XXXXXXXXXX | XXXX | 4350101256 | 743 | 755 | FICO | 12 | Yes |
| XXXXXXXXXX | XXXX | 4350101254 | 731 | 741 | FICO | 10 | Yes |
| XXXXXXXXXX | XXXX | 4350101259 | 676 | 673 | FICO | -3 | Yes |
| XXXXXXXXXX | XXXX | 4350101261 | 771 | 712 | FICO | -59 | Yes |
| XXXXXXXXXX | XXXX | 4350101207 | 810 | 794 | FICO | -16 | Yes |
| XXXXXXXXXX | XXXX | 4350101242 | 789 | 754 | FICO | -35 | Yes |
| XXXXXXXXXX | XXXX | 4350101228 | XX/XX/XXXX | XX/XX/XXXX | 1st Due Date | Yes | Yes |
| XXXXXXXXXX | XXXX | 4350101230 | XX/XX/XXXX | XX/XX/XXXX | 1st Due Date | Yes | Yes |
| XXXXXXXXXX | XXXX | 4350101221 | XXXXXXXX | XXXXXXXX | Property City | Yes | Yes |
| XXXXXXXXXX | XXXX | 4350101250 | XXXXXXXX | XXXXXXXX | Property Zip | Yes | Yes |

---

## Exhibit 99.15

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.15**

**ValuationReport**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Seller Loan Number** | **Dummy ID** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **Company** | **CU Date** |
| XXXXXXXXXX | XXXX | 4350101243 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 5 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101244 | XX/XX/XXXX | XXXXXXXXXX | 90.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.8 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101200 | XX/XX/XXXX | XXXXXXXXXX | 53.66% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101201 | XX/XX/XXXX | XXXXXXXXXX | 55.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101202 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101230 | XX/XX/XXXX | XXXXXXXXXX | 90.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.8 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101220 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101240 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.8 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101245 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.5 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101212 | XX/XX/XXXX | XXXXXXXXXX | 56.52% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.5 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101222 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101226 | XX/XX/XXXX | XXXXXXXXXX | 60.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.5 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101241 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.8 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101216 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4.8 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101217 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.3 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101198 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4.6 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101211 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101231 | XX/XX/XXXX | XXXXXXXXXX | 63.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101232 | XX/XX/XXXX | XXXXXXXXXX | 42.41% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101233 | XX/XX/XXXX | XXXXXXXXXX | 62.96% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4.3 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101258 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101207 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101219 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101239 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | XXXX | 4350101246 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101247 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101248 | XX/XX/XXXX | XXXXXXXXXX | 56.92% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 999 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101215 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101234 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.2 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101208 | XX/XX/XXXX | XXXXXXXXXX | 90.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101195 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101221 | XX/XX/XXXX | XXXXXXXXXX | 67.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101228 | XX/XX/XXXX | XXXXXXXXXX | 36.54% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101223 | XX/XX/XXXX | XXXXXXXXXX | 54.55% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101213 | XX/XX/XXXX | XXXXXXXXXX | 57.28% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | XXXX | 4350101235 | XX/XX/XXXX | XXXXXXXXXX | 86.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101249 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 4.8 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101254 | XX/XX/XXXX | XXXXXXXXXX | 53.10% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101250 | XX/XX/XXXX | XXXXXXXXXX | 50.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101227 | XX/XX/XXXX | XXXXXXXXXX | 47.62% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101214 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101229 | XX/XX/XXXX | XXXXXXXXXX | 59.91% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.2 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101236 | XX/XX/XXXX | XXXXXXXXXX | 85.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.6 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101210 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101204 | XX/XX/XXXX | XXXXXXXXXX | 55.56% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101209 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.8 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101259 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.5 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101199 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101224 | XX/XX/XXXX | XXXXXXXXXX | 39.30% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.9 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101237 | XX/XX/XXXX | XXXXXXXXXX | 90.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101260 | XX/XX/XXXX | XXXXXXXXXX | 90.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101251 | XX/XX/XXXX | XXXXXXXXXX | 52.83% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101218 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 2.6 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101255 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101206 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101197 | XX/XX/XXXX | XXXXXXXXXX | 67.54% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 3.6 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101225 | XX/XX/XXXX | XXXXXXXXXX | 63.16% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101256 | XX/XX/XXXX | XXXXXXXXXX | 85.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101203 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101196 | XX/XX/XXXX | XXXXXXXXXX | 47.09% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXX | XXXX | 4350101238 | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101205 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 5 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101252 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 999 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101257 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101253 | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1.1 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101261 | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | XX/XX/XXXX |
| XXXXXXXXXX | XXXX | 4350101242 | XX/XX/XXXX | XXXXXXXXXX | 55.56% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 999 | XXXX | XX/XX/XXXX |

---

## Exhibit 99.16

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.16**

![](ex9916001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

COLT 2023-1

Dated: March 9, 2023

&nbsp;&nbsp;6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034<br> P: 888.892.1843 \| evolvemortgageservices.com<br>

![](ex9916002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by LSRMF3 Acquisitions Investments, LLC (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size and criteria.**

The final population of the Review covered 53 Loans, 36 Residential Loan and 17 Business Purpose Loans, totaling an aggregate original principal balance of approximately $33,445,747 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population. The Review was conducted consistent with the criteria, as may be relevant for Fitch Ratings, the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data fields on the bid tape provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. Discrepancies outside of reasonable tolerances were reported. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| Amortization Type | Maturity Date | Property City |
| Appraised Value | Note Date | Property State |
| Doc Type | Occupancy | Property Street Address |
| DSCR | Original CLTV | Property Type |
| First Payment Date | Original Interest Rate | Property Zip |
| Index Type | Original Loan Amount | QM Status |
| Interest Only | Original LTV | Qualifying Credit Score |
| Lien Position | Original P&I | Qualifying DTI |
| Loan Purpose | Original Term | Sales Price |
| Margin | Prepayment Penalty | Self-Employment Flag |

---

---

| | | |
|:---|:---|:---|
| ![](ex9916003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](ex9916002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Industry Group ("SFIG") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

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

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

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | **Fitch** | **Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 36 | 67.92% |
| &nbsp;&nbsp;N/A | 17 | 32.08% |
| &nbsp;&nbsp;**Total** | **53** | **100.00%** |

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**Credit Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | **Fitch** | **Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 42 | 79.25% |
| &nbsp;&nbsp;B | 11 | 20.75% |
| &nbsp;&nbsp;**Total** | **53** | **100.00%** |

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**Property Valuation Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | **Fitch** | **Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 52 | 98.11% |
| &nbsp;&nbsp;B | 1 | 1.89% |
| &nbsp;&nbsp;**Total** | **53** | **100.00%** |

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**Overall Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | **Fitch** | **Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | **# Loans** | **% of Loans** |
| &nbsp;&nbsp;A | 41 | 77.36% |
| &nbsp;&nbsp;B | 12 | 22.64% |
| &nbsp;&nbsp;**Total** | **53** | **100.00%** |

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**Data Results Summary**

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| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;53 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;8 | &nbsp;&nbsp;53 | &nbsp;&nbsp;15.09% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;27 | &nbsp;&nbsp;53 | &nbsp;&nbsp;50.94% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;53 | &nbsp;&nbsp;33.96% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;53 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;5 | &nbsp;&nbsp;53 | &nbsp;&nbsp;9.43% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;18 | &nbsp;&nbsp;53 | &nbsp;&nbsp;33.96% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;53 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;53 | &nbsp;&nbsp;33.96% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;53 | &nbsp;&nbsp;33.96% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;18 | &nbsp;&nbsp;53 | &nbsp;&nbsp;33.96% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;5 | &nbsp;&nbsp;53 | &nbsp;&nbsp;9.43% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;18 | &nbsp;&nbsp;53 | &nbsp;&nbsp;33.96% |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;18 | &nbsp;&nbsp;53 | &nbsp;&nbsp;33.96% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;1 | &nbsp;&nbsp;53 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;53 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;53 | &nbsp;&nbsp;33.96% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;53 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;16 | &nbsp;&nbsp;53 | &nbsp;&nbsp;30.19% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;2 | &nbsp;&nbsp;53 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;20 | &nbsp;&nbsp;53 | &nbsp;&nbsp;37.74% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;23 | &nbsp;&nbsp;53 | &nbsp;&nbsp;43.40% |

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**APPENDIX A**

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

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

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

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

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**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

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

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

i) confirm the presence of the current GFE form in effect at the time of origination; <br> ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

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

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

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

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

i) confirm current applicable HUD form was provided;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review** 

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales
 contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right
 of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA
 disclosures; and

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

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**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of
 application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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| ![](ex9916003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 13 \| P a g e |

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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

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

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

i) timing and content of the right to receive copy of appraisal disclosure; <br> ii) charging of a fee for a copy of the appraisal or other written valuation;

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review** 

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

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

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

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

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

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

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

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

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

v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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viii) confirm borrower received LE not later than four (4) business days prior to consummation; and <br> ix) confirm LE was not provided to the borrower on or after the date of the CD.

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

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

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

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

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

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

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

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

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

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

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

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**(XIII) Document Review** 

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
 Disclosures; and

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

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## Exhibit 99.17

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.17**

![](logoevolve-002.gif)

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| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 03/08/2023 2:42:01 PM** |

---

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Dummy ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | XXXXXX A |  |  |  |  | A | A | A | A | A | A |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXXXX D | D | D | D | D | D C A | A | A | A | A | A |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | XXXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | XXXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | XXXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXX | 4350101280 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| XXXX | 4350101281 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101282 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXX | 4350101293 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101294 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A C | A | A | A | A | A B |
| XXXX | 4350101283 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101295 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXX | 4350101296 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101284 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101297 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXX | 4350101285 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| XXXX | 4350101286 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101298 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101299 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| XXXX | 4350101300 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| XXXX | 4350101287 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101288 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101301 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXX | 4350101289 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101302 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101303 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXX | 4350101304 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101290 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101305 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101306 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXX | 4350101307 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXX | 4350101308 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXX | 4350101309 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| XXXX | 4350101291 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101310 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 4350101311 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101312 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101313 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101314 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 4350101292 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |

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## Exhibit 99.18

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.18**

![](logoevolve-002.gif)

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|:---|
| **Exception Detail** |
| **Run Date - 03/08/2023 2:42:01 PM** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Dummy ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Initial LE disclosed within 3 days of Initial Application dated XXXX. Earliest LE in file is dated XXXX |  |  | Reviewer 08/22/2022 10:36 AM; LE provided is for the wrong property address. Condition remains.<br>| XXXX |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  | XXXX |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Executed copy of CD/Settlement Statement is missing; please upload. | Information provided |  |  | XXXX |  | A | 1 | XXXXXXXXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The Final CD, HUD-1, or Settlement Statement is missing from the loan file. | received |  | Reviewer 10/14/2022 01:06 PM; The document received is not signed and dated by the borrowers and escrow company, XXXX<br>| XXXX |  | A | 1 | XXXXXXXXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Document stating the Employer Identification Number (EIN #) for "XXXX" is missing from the loan file. | received |  |  | XXXX |  | A | 1 | XXXXXXXXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | SPL is missing - please provide the service provider's list issued within 3 days of initial application. | information rec'd |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D A | D | A C |  | Non-QM | 1 |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | information rec'd |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D A | D | A C |  | Non-QM | 1 |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | No LEs in file. Please provide all Loan Estimates. | information rec'd |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D A | D | A C |  | Non-QM | 1 |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Please provide evidence the borrowers rec'd the Home Loan Toolkit within 3 days of application. | information rec'd |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D A | D | A C |  | Non-QM | 1 |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Please provide proof of both borrowers' e-consent on or prior to 9/2/22. | information rec'd |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D A | D | A C |  | Non-QM | 1 |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Note |  | Note - is missing - No Image of Note found in file |  | Note is missing. Please provide copy of note that was signed at closing. | information rec'd |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D A | D | A C |  | Non-QM | 1 |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  | Property is located in a county that is consider a FEMA disaster area,XXXX. Please provide disaster recertification for after XXXX, must be dated after 9/23/2022 |  |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D A | D | A C |  | Non-QM | 1 |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | XXXX Statement #XXXX for the Period XXXX to XXXX with deposits of $XXXX is missing from the loan file. This statement was used in income calculations for the 12-month bank statement program. | received |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D A | D | A C |  | Non-QM | 1 |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | XXXX for the Period XXXX to XXXX with deposits of $XXXX is missing from the loan file. This statement was used in income calculations for the 12-month bank statement program. | received |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D A | D | A C |  | Non-QM | 1 |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | XXXX for the Period XXXX with deposits of XXXX is missing from the loan file. This statement was used in income calculations for the 12-month bank statement program. | received |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D A | D | A C |  | Non-QM | 1 |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | XXXX for the Period XXXX with deposits of XXXX is missing from the loan file. This statement was used in income calculations for the 12-month bank statement program. | received |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 D A | D | A C |  | Non-QM | 1 |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing processor certification to satisfy Fraud Alert shown on credit report. Page 10 of 14 on the credit report dated XXXX reflected a security alert to verify the identity of the borrower before extending credit from all 3 credit bureaus. Need evidence the borrower was contacted via the phone number listed on the credit report to confirm identity. | received |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Divorce Decree |  | Missing divorce decree, separation agreement, court order, or notarized agreement evidencing the terms of the child support payments, as required per guidelines. The credit report shows a tradeline with XXXX with a balance of XXXX and was described as child support, however terms of the actual payments were not provided in the loan file. | received |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing settlement statement from the purchase of XXXX evidencing PITIA payment of XXXX monthly. | received/debt already included on 1003 & 1008 |  | Reviewer 10/14/2022 01:10 PM; The document received did not include verification of the total PITI payment for the purchase of XXXX<br>| XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Missing evidence of borrower's e-consent on or prior to earliest e-signature event date of XXXX | Information provided |  |  | XXXX |  | A | 1 | XXXXXXXXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | XXXX |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Payee Name missing or incorrect |  | Final CD reflecting the payee for the Notary and Retrofitting fees as TBD is unacceptable. Please provide a PCCD reflecting the correct payee for these fees. |  |  | Reviewer 10/14/2022 01:55 PM; Retrofitting fee fee in Section H is still missing the Payee. TBD is not acceptable. Please provide a NEW PCCD with corrections<br>| XXXX |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Reserves of 12 months has not been met |  | Exception granted: DTI 25.6%, is 24.4% less than maximum of 50%. Credit score of 728 is 28 points higher than minimum, Job stability of XXXX years with current business (XXXX) as supported by CPA stating inception in 2016 |  |  |  | XXXX B | 2 | XXXXXXXXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | Compliance |  | Compliance - CD- Missing |  | Final Settlement Statement missing, please provide. | Information provided |  |  | XXXX |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Supply evidence mortgage with XXXX of XXXX includes escrows | XXXX Statement received |  |  | XXXX |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Source of Large Deposit |  | Satisfactory documentation sourcing two large deposits into XXXX - unable to deduct since it is needed for reserves. | Letter from borrower in file. |  |  | XXXX |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| XXXX | 4350101280 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Senior Management approval to use cash out for reserves. |  | Compensating Factors: In file since XXXX Assets after close: XXXX; Residual income XXXX; good mortgage history, XXXX years same line of work, XXXX years in primary residence |  |  |  | XXXX B | 2 | XXXXXXXXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| XXXX | 4350101281 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Supply satisfactory evidence of total monthly housing payment for property located at XXXX | CD received reflects payment of XXXX / within tolerance |  |  | XXXX |  | A | 1 | XXXXXXXXXX | TX | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| XXXX | 4350101282 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Payment shock exceeds 2.5% with DTI is > 45%. Expanded Approval XXXX Statements. |  | Exception granted: In file since XXXX Assets after close XXXX Residual XXXX XXXX years in primary residence/subject. Strong mortgage history, XXXX years self employed, strong residual & cash after close. |  |  |  | XXXX B | 2 | XXXXXXXXXX | TX | 1 | 13 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101294 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraiser indicated the property is in a declining market. Max LTV must be reduced by 10%. |  | Approved with 5% LTV reduction. Compensating Factors: Good residual income of XXXX Good credit with a 744 FICO, Not likely to move, business in same area for XXXX years; Good collateral, new construction. |  |  |  | XXXX B | 2 | XXXXXXXXXX | SC | 1 | 1 C B A | A | A C B |  | Non-QM | 1 |
| XXXX | 4350101283 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - Flood insurance is required - Flood policy missing |  | Please provide proof of flood insurance, no images in file. | Information provided |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| XXXX | 4350101283 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Data Input Error |  | Evidence of insurance with minimum 6 months rent loss coverage is missing from the file. | Hazard policy provided with fair rental value. |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| XXXX | 4350101295 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Page 2, Sec F, shows a funding date that is before the closing date of XXXX. Please provide a PCCD with updated funding date. | rec'd SS w/ updated disbursement date and prepaid interest from XXXX. Reran CE w/ updated PP interest |  |  | XXXX |  | A | 1 | XXXXXXXXXX | HI | 1 | 1 C A | C | A |  | Higher Priced QM (APOR) | 1 |
| XXXX | 4350101297 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | Gift funds are not allowed when LTV is over 70% under the Expanded Approval Program. The subject loan LTV was 77%. An exception was granted to allow the gift funds to be used; however, the compensating factors of DTI of 36.9%, Good residual income and Excellent collateral were cited. The DTI is actually 48.502% making the exception granted invalid. |  | Exception granted: Gift funds 77LTV, private VOR approved. Good Residual income XXXX Excellent collateral in desirable area in XXXX TN. | Client 02/02/2023 12:00 PM; Exceptions and approvals reflected on uploaded final approval. Please clear. Thanks. <br>Reviewer 02/02/2023 04:31 PM; exception granted <br>|  |  | XXXX B | 2 | XXXXXXXXXX | TN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101297 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | 24 months cancelled checks are required for First Time Home Buyers under the Expanded Approval Program. Only a Private party VOR was completed and only 18 months housing history was verified. An exception was granted to allow the VOR to be used; however, the compensating factors of DTI of 36.9%, Good residual income and Excellent collateral were cited. The DTI is actually 48.502% making the exception granted invalid. |  | Exception granted: Private VOR 0x30x12 Good Residual income, Excellent collateral in desirable area | Client 02/02/2023 12:00 PM; Exceptions and approvals reflected on uploaded final approval. Please clear. Thanks. <br>Reviewer 02/02/2023 04:32 PM; exception granted <br>|  |  | XXXX B | 2 | XXXXXXXXXX | TN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101285 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Contact Information Missing or Incorrect |  | Need a PCCD with the Mortgage Broker phone number listed on page 5, Contact Information section. | Information provided |  |  | XXXX |  | A | 1 | XXXXXXXXXX | FL | 1 | 13 B A | B | A |  | Non-QM | 1 |
| XXXX | 4350101299 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Provide hazard insurance rating document for XXXX | received |  |  | XXXX |  | A | 1 | XXXXXXXXXX | MA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| XXXX | 4350101299 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Other |  | UW Other - Fraud Alert was not addressed |  | Provide verification of owner occupancy of the subject property to clear high fraud alert on the fraud report. Borrower is purchasing a Condo for primary occupancy and departing a higher value SFR property and converting to a rental property. | LOE provided |  | Reviewer 02/02/2023 10:30 PM; The occupancy affidavit is not sufficient to clear this condition. Provide documentation from third party such as utility bills<br>Client 02/03/2023 10:11 AM; Hi, per the UW analysis, borrower is downsizing and borrower affirmed, with the affidavit of occupancy, that they will be occupying the property as their primary residence. They are retaining their former primary and using it as a rental property. Please escalate further if needed. Thanks.<br>Reviewer 02/03/2023 10:29 AM; deficiency cleared <br>| XXXX |  | A | 1 | XXXXXXXXXX | MA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| XXXX | 4350101300 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | XXXX |  | A | 1 | XXXXXXXXXX | IL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| XXXX | 4350101300 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Please provide initial CD issued and received 3 days prior to consummation | Information provided |  | Reviewer 02/03/2023 01:17 PM; Rec'vd 1/25 CD - still need evidence it was received by borrower 3 days prior to consummation <br>Client 02/06/2023 10:17 AM; Hi, signed initial CD has been uploaded. Thanks.<br>Reviewer 02/06/2023 12:26 PM; Hello, Conditions have been cleared. Thank you<br>Reviewer 02/06/2023 12:26 PM; <br>| XXXX |  | A | 1 | XXXXXXXXXX | IL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| XXXX | 4350101301 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Max Payment Shock 3.5 |  | Compensating Factors: In file since XXXX assets after close - reserves after close-XXXX Residual income XXXX XXXX years self-employed |  |  |  | XXXX B | 2 | XXXXXXXXXX | HI | 2 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101301 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Borrower current lives in wife's house with no primary housing expenses-he is not on title nor on the mortgage. |  | Compensating Factors: In file since XXXX assets after close - reserves after close-XXXX Residual income XXXX XXXX years self-employed |  |  |  | XXXX B | 2 | XXXXXXXXXX | HI | 2 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101303 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Borrower is not Self Employed for 2 years. |  | The exception for less than the required years of self-employment was granted with the following compensating factors: Borrower has been renting for XXXX years; 789 FICO with no derogatory credit and good depth, and great job that the borrower has been doing for XXXX years in this field. |  |  |  | XXXX B | 2 | XXXXXXXXXX | NJ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101303 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Payment shock is over 3.0x |  | The exception for payment shock was granted with the following compensating factors: Borrower has been renting for XXXX years; 789 FICO with no derogatory credit and good depth, and great job that the borrower has been doing for XXXX years in this field. |  |  |  | XXXX B | 2 | XXXXXXXXXX | NJ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101303 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final Ability to Repay certification. | received |  |  | XXXX |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101306 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Per guidelines max LTV for rural property is 65%; subject LTV is 82% |  | Compensating factors, credit score 788, no open debt not a credit abuser good residual income. |  |  |  | XXXX B | 2 | XXXXXXXXXX | AR | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101307 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | \*Transfer of 2nd Appraisal from XXXX is missing from this file | Updated loan approval states MGMT Appraisal: to use appraisal not in LMC name |  | Client 02/06/2023 03:45 PM; Thank you, the senior management approval documented on the Loan Summary and Approval document to use appraisal not in LMC name has been uploaded. Thanks.<br>Reviewer 02/06/2023 04:21 PM; Condition has been cleared Thank you <br>| XXXX |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| XXXX | 4350101307 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | \*2nd Appraisal reflects the XXXX but the Tax Cert and 1st Appraisal both reflect XXXX | new construction. Legal Description matches on both appraisals match title |  | Client 02/06/2023 12:42 PM; This is a new construction property. In TX titled ownership is based on the legal not the APN. Title in TX normally only shows the legal and the legals on both appraisals match. Thanks. <br>Reviewer 02/06/2023 01:45 PM; deficiency waived <br>Client 02/06/2023 03:23 PM; Hi, please see previous deficiency response. Appears the other finding was cleared with this commentary instead. We have uploaded docs to clear the other finding. Thanks.<br>Reviewer 02/06/2023 03:44 PM; deficiency corrected <br>| XXXX |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| XXXX | 4350101307 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION If the vested balance of the retirement account is greater than 120% of the required funds, proof of liquidation can be waived with Senior Management Approval |  | DEVIATION REQUEST: Borrower has over 180% of required assets to close. Please provide approval to cure the following guideline requirement: If the vested balance of the retirement account is greater than 120% of the required funds, proof of liquidation can be waived with Senior Management Approval COMPENSATING FACTORS: Compensating factors: In file since XXXX ASSETS AFTER CLOSE=XXXX RESIDUAL m= XXXX strong work history, strong mortgage history, Pricing: Nore Rate 8.875 + 0.0-pts (stacked), 2.0 pts (points to be paid at closing), qual rate 8.875% 1.16.23 pricing. Base Rate 7625 plus DTI > 45 <50 (0.25), IO (0.375), LARGE LOAN SIZE > 1.5 million (0.25), ADDITIONAL (0.375), ADDITIONAL POINT (1.0), BPC POINTS TO BROKER (1.00) = required rate of 8.875% |  |  |  | XXXX B | 2 | XXXXXXXXXX | TX | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| XXXX | 4350101308 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Housing History 0X30X24 |  | Exception approved: FTHB with no Housing Expense History COMPENSATING FACTORS: Applicant has 738 mid score, no deliq. Good residual income XXXX Income shows increasing trend over the last 12 months. Pricing XXXXh: Expand AA: Base Rate 7.875 + .25 (12 month bank statements + .25 (Housing History Exception) = final rate 8.375%. Unstacked Loan Amount Stacked loan amount XXXX Unstacked LTV 70% / Stacked LTV 72%. 1pt to LMC, 2.5 points to broker |  |  |  | XXXX B | 2 | XXXXXXXXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101309 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-Minimum tradelines of 4 with at least 2-active |  | Compensating Factors: In file since XXXX assets after close XXXX residual XXXX strong job time, low dti, not credit abuser. |  |  |  | XXXX B | 2 | XXXXXXXXXX | TN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101309 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | 24 months cancelled rent checks 0x30x24 |  | Compensating Factors: In file since XXXX assets after close XXXX residual XXXX strong job time, low dti, not credit abuser. |  |  |  | XXXX B | 2 | XXXXXXXXXX | TN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101309 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | First time homebuyer requirements can be waived with approval |  | Compensating Factors: In file since XXXX assets after close XXXX residual XXXX strong job time, low dti, not credit abuser. |  |  |  | XXXX B | 2 | XXXXXXXXXX | TN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101309 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Payment shock less than 3.0 Compensating Factors In file since XXXX, assets after close XXXX, residual XXXX, strong job time, low dti, not credit abuser. |  | Compensating Factors: In file since XXXX assets after close XXXX residual XXXX strong job time, low dti, not credit abuser. |  |  |  | XXXX B | 2 | XXXXXXXXXX | TN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| XXXX | 4350101291 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - If Condo, blanket coverage policy is missing |  | Condo All-in/Walls-in coverage policy in file reflects "TBD" as the policy number. Please provide the policy number | Information provided |  |  | XXXX |  | A | 1 | XXXXXXXXXX | UT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| XXXX | 4350101292 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXX | XXXX | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Use of Non-LMC Appraisal and Non-Arm's Length transaction |  | GUIDELINE EXCEPTION: Use of Non-LMC Appraisal and Non-Arm's Length transaction DEVIATION REQUEST: Senior Management XXXX approved the following but no Exception in this file: Use of Non-LMC Appraisal and Non-Arm's Length transaction Compensating Factors: XXXX years of excellent consumer credit and mortgage history no lates with FICO 793; Owns primary home free and clear; Experienced investor; Lower LTV reduces risk. |  |  |  | XXXX B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |

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## Exhibit 99.19

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.19**

![](logoevolve-002.gif)

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| **Valuation Report** |
| **Run Date - 03/08/2023 2:42:01 PM** |

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Dummy ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | XXXXXX |  | 0.00% | XXXXXXXX | 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | MODERATE | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXXX |  | 0.00% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXXX | XXXXX | 0.83% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXXX |  | 0.00% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -2.46% | XXXX | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101280 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | B | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101281 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101282 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101293 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXXX | XXXXX | 1.91% | XXXX | 93 | XXXXXXXX | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101294 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | -1.79% | XXXX | 91 | XXXXXXXX | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101283 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | 1.67% | XXXX | 86 | XXXXXXXX | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101295 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX | XXXXXX | -2.04% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101296 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101284 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101297 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | 6.27% | XXXX | 97 | XXXXXXXX | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101285 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101286 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -2.17% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101298 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101299 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101300 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101287 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101288 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101301 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | 6.85% | XXXX | 83 | XXXXXXXX | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101289 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101302 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101303 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -3.03% | XXXX | A- | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101304 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | 2.35% | XXXX | 91 | XXXXXXXX | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101290 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101305 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101306 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXX | 2.70% | XXXX | 60 | XXXXXXXX | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101307 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXXX |  | 0.00% | XXXXXXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| XXXX | 4350101308 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXX | 1.74% | XXXX | 97 | XXXXXXXX | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101309 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101291 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101310 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101311 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101312 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101313 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXXX | -4.06% | XXXX | 78 | XXXXXXXX | XXXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101314 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | 4350101292 | XXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXXX | 18.12% | XXXX | 98 | XXXXXXXX | XXXXXX |  | 0.00% | XXXX | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.20

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.20**

![](logoevolve-002.gif)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 03/08/2023 2:42:01 PM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Dummy ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| XXXX | 4350101292 | XXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4350101292 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101314 | XXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.43193 | 0.43819 | Verified |
| XXXX | 4350101310 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101310 | XXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y |  |
| XXXX | 4350101291 | XXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4350101291 | XXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| XXXX | 4350101291 | XXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| XXXX | 4350101291 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101307 | XXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| XXXX | 4350101307 | XXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| XXXX | 4350101290 | XXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4350101290 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101304 | XXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.27485 | 0.21315 | Verified |
| XXXX | 4350101302 | XXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.864 |  | Verified |
| XXXX | 4350101302 | XXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| XXXX | 4350101302 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101289 | XXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| XXXX | 4350101289 | XXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4350101289 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101289 | XXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| XXXX | 4350101288 | XXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4350101288 | XXXXXXXXXX | XXXXXXXXXXXXXX | Index Type | XXXX | 30DayAverageSOFR | Verified |
| XXXX | 4350101288 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101287 | XXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4350101287 | XXXXXXXXXX | XXXXXXXXXXXXXX | Index Type | XXXX | 30DayAverageSOFR | Verified |
| XXXX | 4350101287 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101287 | XXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | Y | N | Verified |
| XXXX | 4350101298 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | QM | Non-QM | Verified |
| XXXX | 4350101286 | XXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4350101286 | XXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| XXXX | 4350101286 | XXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| XXXX | 4350101286 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101285 | XXXXXXXXXX | XXXXXXXXXXXXXX | Property Zip | XXXXXXXXXX | XXXXX | Verified |
| XXXX | 4350101297 | XXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.46560 | 0.48501 | Verified |
| XXXX | 4350101284 | XXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4350101284 | XXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 3.379 | 3.270 | Verified |
| XXXX | 4350101284 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101284 | XXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | Y | N | Verified |
| XXXX | 4350101296 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | QM | Non-QM | Verified |
| XXXX | 4350101296 | XXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| XXXX | 4350101295 | XXXXXXXXXX | XXXXXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| XXXX | 4350101283 | XXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| XXXX | 4350101283 | XXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 1.063 | 1.230 | Verified |
| XXXX | 4350101283 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101282 | XXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.47981 | 0.47338 | Verified |
| XXXX | 4350101281 | XXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.962 |  | Verified |
| XXXX | 4350101281 | XXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| XXXX | 4350101281 | XXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| XXXX | 4350101281 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101280 | XXXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.888 |  | Verified |
| XXXX | 4350101280 | XXXXXXXXXX | XXXXXXXXXXXXXX | Interest Only | N | Y | Verified |
| XXXX | 4350101280 | XXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.06499 | 0.42086 | Verified |
| XXXX | 4350101280 | XXXXXXXXXX | XXXXXXXXXXXXXX | Original Amortization Term | 480 | 360 | Verified |
| XXXX | 4350101280 | XXXXXXXXXX | XXXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | Doc Type | 2 Year Alt Doc | Alternative Doc | Verified |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.38617 |  |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | PDD | Verified |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101279 | XXXXXXXXXX | XXXXXXXXX | Original Term | 40 | 480 | Verified |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.40262 |  |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101277 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Business Bank Stmt: 24 Mos | Alternative Doc | Verified |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.14218 |  |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | Occupancy | NonOwnerOccupied | Investment | Verified |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101276 | XXXXXXXXXX | XXXXXXXXX | Original Term | 40 | 480 | Verified |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Business Bank Stmt: 24 Mos | Alternative Doc | Verified |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.25948 |  |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101275 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | DSCR |  | 0.770 | Verified |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | Occupancy | NonOwnerOccupied | Investment | Verified |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | N | Verified |
| XXXX | 4350101262 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | Doc Type | 1 Year Alt Doc | Alternative Doc | Verified |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.36949 |  |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | PDD | Verified |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101265 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Business Bank Stmt: 24 Mos | Alternative Doc | Verified |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.27660 |  |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101272 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Business Bank Stmt: 24 Mos | Alternative Doc | Verified |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.29472 |  |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101278 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.26014 |  |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101267 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.22079 |  |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101271 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Business Bank Stmt: 24 Mos | Alternative Doc | Verified |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.21202 |  |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101270 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | Doc Type | 1 Year Alt Doc | Alternative Doc | Verified |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.41795 |  |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101274 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Business Bank Stmt: 12 Mos | Alternative Doc | Verified |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.36341 |  |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | PDD | Verified |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101266 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Personal Bank Stmt: 12 Mos | Alternative Doc | Verified |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.31172 |  |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | PDA | Verified |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101269 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | DSCR |  | 1.260 | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | Occupancy | NonOwnerOccupied | Investment | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | N | Verified |
| XXXX | 4350101264 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Personal Bank Stmt: 24 Mos | Alternative Doc | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.46441 | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | CO1 | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | Property City | XXXX | XXXX | Verified |
| XXXX | 4350101268 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | DSCR |  | 1.050 | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | Occupancy | NonOwnerOccupied | Investment | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | SF | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | N | Verified |
| XXXX | 4350101263 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | Doc Type | Business Bank Stmt: 24 Mos | Alternative Doc | Verified |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | Qualifying DTI |  | 0.30523 |  |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | First Payment Date |  | XXXX | Verified |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | Lien Position |  | FirstLien | Verified |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | Maturity Date |  | XXXX | Verified |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | Occupancy | OwnerOccupied | Primary | Verified |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | Original P&I |  | XXXX | Verified |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | Property Type |  | CO1 | Verified |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | Self-Employment Flag |  | Y | Verified |
| XXXX | 4350101273 | XXXXXXXXXX | XXXXXXXXX | Original Term | 30 | 360 | Verified |

---

## Exhibit 99.21

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.21**

![](ex9921001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by LSRMF3 Acquisitions Investments, LLC ("Client"). The review was conducted between September 2022, and February 2023, via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 162 ATR-QM Exempt loans and 96 Non-QM loans for a total of 258 loans the "Final Securitization Population").

*<u>Credit Reviews (258):</u>*

During the Review, Selene performed a credit review on 258 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (258)</u>*

During the Review, Selene performed a compliance review on 258 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (258):</u>*

During the Review, Selene performed a property valuation review on 258 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (258):</u>*

During the Review, Selene performed a Data Integrity Review on 258 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 258 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;258 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;258 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;258 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;258 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. ("Fitch") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Advantage Underwriting Guidelines, LSM Owner-Occupied & 2nd Home UW Guide, Northpointe Investor Cash Flow, Northpointe Prime Non-Agency, Northpointe Expanded Access, Northpointe Expanded Portfolio, Northpointe New Start, Northpointe Master Retail Lending Guide, (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **15**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

&nbsp;&nbsp;&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

&nbsp;&nbsp;&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **Original Appraisal Assessment** 

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

● **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **15**

 **DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 258 mortgage loans, (ii) a Compliance Review on 258 mortgage loans (iii) a Valuation Review on 258 mortgage loans, and (iv) a Data Integrity Review on 258 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 258 mortgage loans; 155 mortgage loans had a rating grade of A, 55 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (258 overall loans):*** 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| &nbsp;&nbsp;**NRSRO** <br> **Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;40 | &nbsp;&nbsp;15.50% &nbsp;&nbsp;A | &nbsp;&nbsp;204 | &nbsp;&nbsp;79.07% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.33% &nbsp;&nbsp;B | &nbsp;&nbsp;54 | &nbsp;&nbsp;20.93% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;62 | &nbsp;&nbsp;24.03% &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;150 | &nbsp;&nbsp;58.14% &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

Page **4** of **15**

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;253 | &nbsp;&nbsp;98.06% &nbsp;&nbsp;A | &nbsp;&nbsp;211 | &nbsp;&nbsp;81.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.94% &nbsp;&nbsp;B | &nbsp;&nbsp;47 | &nbsp;&nbsp;18.22% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;255 | &nbsp;&nbsp;98.84% |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.16% |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

Page **5** of **15**

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

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

Page **7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
 for any name variations for the borrowers and confirm that the variations have been addressed
 in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 for any social security number variations for the borrowers and confirm that the variations
 have been addressed in the loan file;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 for any potential occupancy issues based on the borrowers' address history and
 confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
 for any employment issues and confirm that any issues have been addressed in the loan
 file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
 for any additional consumers associated with the borrowers' profiles and confirm
 the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
 all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

Page **9** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

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

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

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

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

Page **10** of **15**

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

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

Page **11** of **15**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

vi) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

viii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

Page **12** of **15**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **13** of **15**

<u>General Ability to Repay</u>

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

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

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

---

| | | |
|:---|:---|:---|
| a) | Providing Appraisals and Other Valuations (12 C.F.R. 1002.14): | Providing Appraisals and Other Valuations (12 C.F.R. 1002.14): |
|  | i) | timing and content of the right to receive copy of appraisal disclosure; |
|  | ii) | charging of a fee for a copy of the appraisal or other written valuation; |
|  | iii) | timing of creditor providing a copy of each appraisal or other written valuation; and |
|  | iv) | with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation. |

---

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

Page **14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

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

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.22

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.22**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 4350101413 |  | XXXX | XXXX C D A B |
| XXXX | 4350101484 |  | XXXX | XXXX D A |
| XXXX | 4350101420 |  | XXXX | XXXX C D A |
| XXXX | 4350101426 |  | XXXX | XXXX D A C |
| XXXX | 4350101411 |  | XXXX | XXXX C A |
| XXXX | 4350101412 |  | XXXX | XXXX C A B |
| XXXX | 4350101554 |  | XXXX | XXXX D A B |
| XXXX | 4350101562 |  | XXXX | XXXX A C |
| XXXX | 4350101419 |  | XXXX | XXXX C D A |
| XXXX | 4350101423 |  | XXXX | XXXX A C |
| XXXX | 4350101559 |  | XXXX | XXXX A C |
| XXXX | 4350101443 |  | XXXX | XXXX B A |
| XXXX | 4350101416 |  | XXXX | XXXX A |
| XXXX | 4350101421 |  | XXXX | XXXX A |
| XXXX | 4350101435 |  | XXXX | XXXX B A |
| XXXX | 4350101418 |  | XXXX | XXXX C A B |
| XXXX | 4350101428 |  | XXXX | XXXX C A |
| XXXX | 4350101415 |  | XXXX | XXXX C A |
| XXXX | 4350101432 |  | XXXX | XXXX C A |
| XXXX | 4350101417 |  | XXXX | XXXX D A B |
| XXXX | 4350101433 |  | XXXX | XXXX C A |
| XXXX | 4350101441 |  | XXXX | XXXX D C A B |
| XXXX | 4350101563 |  | XXXX | XXXX C A B |
| XXXX | 4350101560 |  | XXXX | XXXX A C |
| XXXX | 4350101431 |  | XXXX | XXXX C A B |
| XXXX | 4350101446 |  | XXXX | XXXX A D C |
| XXXX | 4350101422 |  | XXXX | XXXX A C |
| XXXX | 4350101476 |  | XXXX | XXXX D A |
| XXXX | 4350101466 |  | XXXX | XXXX C A |
| XXXX | 4350101555 |  | XXXX | XXXX D A B |
| XXXX | 4350101556 |  | XXXX | XXXX C A |
| XXXX | 4350101557 |  | XXXX | XXXX D A |
| XXXX | 4350101315 |  | XXXX | XXXX C A |
| XXXX | 4350101553 |  | XXXX | XXXX C A |
| XXXX | 4350101462 |  | XXXX | XXXX C A D B |
| XXXX | 4350101427 |  | XXXX | XXXX C A |
| XXXX | 4350101434 |  | XXXX | XXXX C A |
| XXXX | 4350101414 |  | XXXX | XXXX C A |
| XXXX | 4350101448 |  | XXXX | XXXX D A |
| XXXX | 4350101366 |  | XXXX | XXXX C A |
| XXXX | 4350101561 |  | XXXX | XXXX C A D |
| XXXX | 4350101464 |  | XXXX | XXXX C A B |
| XXXX | 4350101438 |  | XXXX | XXXX A D |
| XXXX | 4350101424 |  | XXXX | XXXX D C A |
| XXXX | 4350101425 |  | XXXX | XXXX A C |
| XXXX | 4350101552 |  | XXXX | XXXX C A |
| XXXX | 4350101558 |  | XXXX | XXXX A D |
| XXXX | 4350101437 |  | XXXX | XXXX D A |
| XXXX | 4350101472 |  | XXXX | XXXX C D A |
| XXXX | 4350101447 |  | XXXX | XXXX D A |
| XXXX | 4350101523 |  | XXXX | XXXX D A |
| XXXX | 4350101486 |  | XXXX | XXXX D A |
| XXXX | 4350101436 |  | XXXX | XXXX D C A |
| XXXX | 4350101487 |  | XXXX | XXXX D A B |
| XXXX | 4350101450 |  | XXXX | XXXX C A D |
| XXXX | 4350101439 |  | XXXX | XXXX D C A |
| XXXX | 4350101457 |  | XXXX | XXXX D A |
| XXXX | 4350101461 |  | XXXX | XXXX D A |
| XXXX | 4350101482 |  | XXXX | XXXX C D A B |
| XXXX | 4350101430 |  | XXXX | XXXX B A |
| XXXX | 4350101453 |  | XXXX | XXXX D A B |
| XXXX | 4350101531 |  | XXXX | XXXX D A |
| XXXX | 4350101445 |  | XXXX | XXXX A D |
| XXXX | 4350101429 |  | XXXX | XXXX D A |
| XXXX | 4350101465 |  | XXXX | XXXX D A C |
| XXXX | 4350101321 |  | XXXX | XXXX A C |
| XXXX | 4350101442 |  | XXXX | XXXX C D A |
| XXXX | 4350101468 |  | XXXX | XXXX D A C |
| XXXX | 4350101477 |  | XXXX | XXXX D A |
| XXXX | 4350101479 |  | XXXX | XXXX D A |
| XXXX | 4350101319 |  | XXXX | XXXX A |
| XXXX | 4350101320 |  | XXXX | XXXX C D A |
| XXXX | 4350101365 |  | XXXX | XXXX A C |
| XXXX | 4350101325 |  | XXXX | XXXX C A |
| XXXX | 4350101440 |  | XXXX | XXXX A |
| XXXX | 4350101470 |  | XXXX | XXXX C D A B |
| XXXX | 4350101363 |  | XXXX | XXXX A D |
| XXXX | 4350101485 |  | XXXX | XXXX D A |
| XXXX | 4350101452 |  | XXXX | XXXX D A C B |
| XXXX | 4350101455 |  | XXXX | XXXX D A |
| XXXX | 4350101467 |  | XXXX | XXXX D A |
| XXXX | 4350101469 |  | XXXX | XXXX D A B |
| XXXX | 4350101478 |  | XXXX | XXXX D A |
| XXXX | 4350101483 |  | XXXX | XXXX C A |
| XXXX | 4350101503 |  | XXXX | XXXX D A |
| XXXX | 4350101496 |  | XXXX | XXXX D A |
| XXXX | 4350101498 |  | XXXX | XXXX D C B A |
| XXXX | 4350101318 |  | XXXX | XXXX C A |
| XXXX | 4350101367 |  | XXXX | XXXX A D |
| XXXX | 4350101364 |  | XXXX | XXXX A D |
| XXXX | 4350101504 |  | XXXX | XXXX D A |
| XXXX | 4350101449 |  | XXXX | XXXX A |
| XXXX | 4350101451 |  | XXXX | XXXX C A |
| XXXX | 4350101460 |  | XXXX | XXXX A D |
| XXXX | 4350101444 |  | XXXX | XXXX A C |
| XXXX | 4350101456 |  | XXXX | XXXX D A |
| XXXX | 4350101473 |  | XXXX | XXXX B C A |
| XXXX | 4350101454 |  | XXXX | XXXX D A C |
| XXXX | 4350101475 |  | XXXX | XXXX B D A |
| XXXX | 4350101324 |  | XXXX | XXXX A |
| XXXX | 4350101474 |  | XXXX | XXXX A C B |
| XXXX | 4350101480 |  | XXXX | XXXX D A |
| XXXX | 4350101501 |  | XXXX | XXXX D A |
| XXXX | 4350101505 |  | XXXX | XXXX D A |
| XXXX | 4350101458 |  | XXXX | XXXX D A C |
| XXXX | 4350101471 |  | XXXX | XXXX D A C B |
| XXXX | 4350101481 |  | XXXX | XXXX D A C B |
| XXXX | 4350101489 |  | XXXX | XXXX D A C |
| XXXX | 4350101463 |  | XXXX | XXXX D A |
| XXXX | 4350101362 |  | XXXX | XXXX A D |
| XXXX | 4350101519 |  | XXXX | XXXX D A B |
| XXXX | 4350101497 |  | XXXX | XXXX D C A |
| XXXX | 4350101493 |  | XXXX | XXXX D A B |
| XXXX | 4350101492 |  | XXXX | XXXX D A |
| XXXX | 4350101490 |  | XXXX | XXXX D C A |
| XXXX | 4350101459 |  | XXXX | XXXX D A |
| XXXX | 4350101507 |  | XXXX | XXXX D A |
| XXXX | 4350101491 |  | XXXX | XXXX D A C |
| XXXX | 4350101499 |  | XXXX | XXXX D A |
| XXXX | 4350101494 |  | XXXX | XXXX B A |
| XXXX | 4350101506 |  | XXXX | XXXX A |
| XXXX | 4350101502 |  | XXXX | XXXX B A |
| XXXX | 4350101500 |  | XXXX | XXXX C A B |
| XXXX | 4350101488 |  | XXXX | XXXX A C |
| XXXX | 4350101521 |  | XXXX | XXXX D A B |
| XXXX | 4350101508 |  | XXXX | XXXX D A |
| XXXX | 4350101495 |  | XXXX | XXXX D A B |
| XXXX | 4350101512 |  | XXXX | XXXX D A C |
| XXXX | 4350101515 |  | XXXX | XXXX D A |
| XXXX | 4350101514 |  | XXXX | XXXX D A |
| XXXX | 4350101516 |  | XXXX | XXXX D A |
| XXXX | 4350101535 |  | XXXX | XXXX D C B A |
| XXXX | 4350101509 |  | XXXX | XXXX D A |
| XXXX | 4350101511 |  | XXXX | XXXX D A |
| XXXX | 4350101536 |  | XXXX | XXXX D A C B |
| XXXX | 4350101545 |  | XXXX | XXXX D A C B |
| XXXX | 4350101533 |  | XXXX | XXXX D A |
| XXXX | 4350101537 |  | XXXX | XXXX D A C B |
| XXXX | 4350101543 |  | XXXX | XXXX D A |
| XXXX | 4350101513 |  | XXXX | XXXX C A |
| XXXX | 4350101546 |  | XXXX | XXXX D A |
| XXXX | 4350101564 |  | XXXX | XXXX C A |
| XXXX | 4350101568 |  | XXXX | XXXX C A B |
| XXXX | 4350101566 |  | XXXX | XXXX A C B |
| XXXX | 4350101570 |  | XXXX | XXXX C A |
| XXXX | 4350101567 |  | XXXX | XXXX C A B |
| XXXX | 4350101569 |  | XXXX | XXXX A C B |
| XXXX | 4350101331 |  | XXXX | XXXX A C |
| XXXX | 4350101326 |  | XXXX | XXXX A |
| XXXX | 4350101571 |  | XXXX | XXXX B C A |
| XXXX | 4350101384 |  | XXXX | XXXX A C |
| XXXX | 4350101376 |  | XXXX | XXXX C D A |
| XXXX | 4350101342 |  | XXXX | XXXX A |
| XXXX | 4350101333 |  | XXXX | XXXX A |
| XXXX | 4350101381 |  | XXXX | XXXX A D |
| XXXX | 4350101544 |  | XXXX | XXXX D A |
| XXXX | 4350101538 |  | XXXX | XXXX C D B A |
| XXXX | 4350101510 |  | XXXX | XXXX D A |
| XXXX | 4350101374 |  | XXXX | XXXX A D |
| XXXX | 4350101539 |  | XXXX | XXXX D A C B |
| XXXX | 4350101332 |  | XXXX | XXXX C A |
| XXXX | 4350101388 |  | XXXX | XXXX A D |
| XXXX | 4350101352 |  | XXXX | XXXX A C |
| XXXX | 4350101393 |  | XXXX | XXXX A D |
| XXXX | 4350101387 |  | XXXX | XXXX C D A |
| XXXX | 4350101348 |  | XXXX | XXXX A |
| XXXX | 4350101565 |  | XXXX | XXXX B C A |
| XXXX | 4350101383 |  | XXXX | XXXX D A |
| XXXX | 4350101540 |  | XXXX | XXXX D A C B |
| XXXX | 4350101351 |  | XXXX | XXXX C A |
| XXXX | 4350101379 |  | XXXX | XXXX A D |
| XXXX | 4350101338 |  | XXXX | XXXX A C |
| XXXX | 4350101329 |  | XXXX | XXXX C A |
| XXXX | 4350101356 |  | XXXX | XXXX A |
| XXXX | 4350101370 |  | XXXX | XXXX A |
| XXXX | 4350101385 |  | XXXX | XXXX A D |
| XXXX | 4350101382 |  | XXXX | XXXX C D A B |
| XXXX | 4350101358 |  | XXXX | XXXX D A |
| XXXX | 4350101391 |  | XXXX | XXXX A |
| XXXX | 4350101344 |  | XXXX | XXXX D C A |
| XXXX | 4350101336 |  | XXXX | XXXX A |
| XXXX | 4350101396 |  | XXXX | XXXX A |
| XXXX | 4350101340 |  | XXXX | XXXX A |
| XXXX | 4350101343 |  | XXXX | XXXX C D A |
| XXXX | 4350101517 |  | XXXX | XXXX D A |
| XXXX | 4350101400 |  | XXXX | XXXX A |
| XXXX | 4350101380 |  | XXXX | XXXX A D |
| XXXX | 4350101371 |  | XXXX | XXXX A |
| XXXX | 4350101372 |  | XXXX | XXXX C D A |
| XXXX | 4350101322 |  | XXXX | XXXX D A |
| XXXX | 4350101522 |  | XXXX | XXXX D A |
| XXXX | 4350101541 |  | XXXX | XXXX D C B A |
| XXXX | 4350101354 |  | XXXX | XXXX D A |
| XXXX | 4350101355 |  | XXXX | XXXX A |
| XXXX | 4350101337 |  | XXXX | XXXX A D |
| XXXX | 4350101405 |  | XXXX | XXXX C D A |
| XXXX | 4350101392 |  | XXXX | XXXX D C A |
| XXXX | 4350101357 |  | XXXX | XXXX C A B |
| XXXX | 4350101407 |  | XXXX | XXXX A |
| XXXX | 4350101532 |  | XXXX | XXXX D A C |
| XXXX | 4350101520 |  | XXXX | XXXX D A |
| XXXX | 4350101518 |  | XXXX | XXXX D A |
| XXXX | 4350101401 |  | XXXX | XXXX A C |
| XXXX | 4350101373 |  | XXXX | XXXX A |
| XXXX | 4350101377 |  | XXXX | XXXX A |
| XXXX | 4350101347 |  | XXXX | XXXX D A |
| XXXX | 4350101349 |  | XXXX | XXXX C A |
| XXXX | 4350101402 |  | XXXX | XXXX C A |
| XXXX | 4350101394 |  | XXXX | XXXX C D A |
| XXXX | 4350101397 |  | XXXX | XXXX A |
| XXXX | 4350101341 |  | XXXX | XXXX A |
| XXXX | 4350101542 |  | XXXX | XXXX D A B |
| XXXX | 4350101547 |  | XXXX | XXXX D A B |
| XXXX | 4350101404 |  | XXXX | XXXX C A |
| XXXX | 4350101335 |  | XXXX | XXXX D A |
| XXXX | 4350101316 |  | XXXX | XXXX A |
| XXXX | 4350101317 |  | XXXX | XXXX A |
| XXXX | 4350101389 |  | XXXX | XXXX C D A |
| XXXX | 4350101360 |  | XXXX | XXXX A |
| XXXX | 4350101548 |  | XXXX | XXXX D C A |
| XXXX | 4350101386 |  | XXXX | XXXX A D |
| XXXX | 4350101398 |  | XXXX | XXXX A D |
| XXXX | 4350101323 |  | XXXX | XXXX D A B |
| XXXX | 4350101328 |  | XXXX | XXXX A D |
| XXXX | 4350101403 |  | XXXX | XXXX A |
| XXXX | 4350101327 |  | XXXX | XXXX A |
| XXXX | 4350101330 |  | XXXX | XXXX A |
| XXXX | 4350101399 |  | XXXX | XXXX A |
| XXXX | 4350101406 |  | XXXX | XXXX D A B |
| XXXX | 4350101369 |  | XXXX | XXXX A |
| XXXX | 4350101353 |  | XXXX | XXXX C A |
| XXXX | 4350101529 |  | XXXX | XXXX D A C |
| XXXX | 4350101526 |  | XXXX | XXXX C A B |
| XXXX | 4350101409 |  | XXXX | XXXX A |
| XXXX | 4350101334 |  | XXXX | XXXX A |
| XXXX | 4350101346 |  | XXXX | XXXX B D A |
| XXXX | 4350101375 |  | XXXX | XXXX C A |
| XXXX | 4350101390 |  | XXXX | XXXX D A |
| XXXX | 4350101524 |  | XXXX | XXXX D C A |
| XXXX | 4350101345 |  | XXXX | XXXX C A |
| XXXX | 4350101339 |  | XXXX | XXXX A |
| XXXX | 4350101368 |  | XXXX | XXXX A |
| XXXX | 4350101395 |  | XXXX | XXXX C D A |
| XXXX | 4350101410 |  | XXXX | XXXX A C |
| XXXX | 4350101378 |  | XXXX | XXXX D A |
| XXXX | 4350101525 |  | XXXX | XXXX D C A |
| XXXX | 4350101549 |  | XXXX | XXXX D A C |
| XXXX | 4350101350 |  | XXXX | XXXX D C A |
| XXXX | 4350101361 |  | XXXX | XXXX A |
| XXXX | 4350101534 |  | XXXX | XXXX D A |
| XXXX | 4350101408 |  | XXXX | XXXX A D |
| XXXX | 4350101550 |  | XXXX | XXXX D A |
| XXXX | 4350101527 |  | XXXX | XXXX B A |
| XXXX | 4350101528 |  | XXXX | XXXX D A B |
| XXXX | 4350101530 |  | XXXX | XXXX A |
| XXXX | 4350101359 |  | XXXX | XXXX A |
| XXXX | 4350101551 |  | XXXX | XXXX A D |

---

## Exhibit 99.23

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | 4350101413 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client provided 1008 with comments regarding exception. Finding waived. - Due Diligence Vendor-10/01/2022 <br>Ready for Review-Document Uploaded. - Seller-09/28/2022 <br>Counter-The Exception Approval does does specify what exception is being approved and the 1008 does not list compensating factors. Per Exception email, the Exception Form is required to be uploaded and included in the file. Please provide said form to include compensating factors.<br> - Due Diligence Vendor-09/21/2022 <br>Ready for Review-Document Uploaded. Exception pricing attached with 1008 listing compensating factors. - Seller-09/20/2022 <br>Open-Missing exception form, email p.4 does not show compensating factors used to grant exception. Please provide exception form with compensating factors used to grant exception to FICO score of 739, Guides minimum of 740 for 80% LTV. - Due Diligence Vendor-09/15/2022 <br>Open-Audited FICO of 739 is less than Guideline FICO of 740 - Due Diligence Vendor-09/15/2022 | Ready for Review-Document Uploaded. - Seller-09/28/2022 <br>Ready for Review-Document Uploaded. Exception pricing attached with 1008 listing compensating factors. - Seller-09/20/2022<br>| Waived-Client provided 1008 with comments regarding exception. Finding waived. - Due Diligence Vendor-10/01/2022<br>| XXXX |  | Per Client: <br> Reserves, 38 months post closing<br> net worth - over XXXX in real estate<br> 25 properties owned<br> DSCR 1.73%<br> Credit is one point from 740 | NC | Investment | Purchase | NA | XXXX | Originator Pre-Close | No |
| XXXX | XXXX | 4350101413 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Finding resolved. Client provided updated mortgage statements to confirm current on all properties at time of close. - Due Diligence Vendor-11/07/2022 <br>Ready for Review-Document Uploaded. - Seller-11/03/2022 <br>Open-Credit report dated XXXX reflects 16 mortgages, the last paid date for these accounts is 1-3 months prior to closing. The file does not contain a credit supplement confirming the mortgages were paid prior to closing. Please provide CBR supplement with reporting date XXXX for all the open mortgages. - Due Diligence Vendor-10/05/2022 | Ready for Review-Document Uploaded. - Seller-11/03/2022<br>| Resolved-Finding resolved. Client provided updated mortgage statements to confirm current on all properties at time of close. - Due Diligence Vendor-11/07/2022<br>| XXXX |  |  | NC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101413 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-Client provided CU in finding FCRE1260. Finding resolved. - Due Diligence Vendor-09/21/2022 <br>Ready for Review-Document Uploaded. - Seller-09/20/2022 <br>Open- - Due Diligence Vendor-09/15/2022 | Ready for Review-Document Uploaded. - Seller-09/20/2022<br>| Resolved-Client provided CU in finding FCRE1260. Finding resolved. - Due Diligence Vendor-09/21/2022<br>| XXXX |  |  | NC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101413 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Missing Doc | Collateral Rep and Warrant Relief Missing | Resolved-Client provided CU. Finding resolved. - Due Diligence Vendor-09/21/2022 <br>Ready for Review-Document Uploaded. - Seller-09/20/2022 <br>Open-The file does not contain the UCDP for the subject property - single family residence. - Due Diligence Vendor-09/15/2022 | Ready for Review-Document Uploaded. - Seller-09/20/2022<br>| Resolved-Client provided CU. Finding resolved. - Due Diligence Vendor-09/21/2022<br>| XXXX |  |  | NC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101413 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-This finding is resolved. Client provided CD. - Due Diligence Vendor-09/16/2022 <br>Ready for Review-Document Uploaded. - Seller-09/14/2022 <br>Open-TRID: Missing Closing Disclosure Missing Initial CD. Provide a copy of Initial CD. Once Received Need to Update in LM. - Due Diligence Vendor-09/13/2022 | Ready for Review-Document Uploaded. - Seller-09/14/2022<br>| Resolved-This finding is resolved. Client provided CD. - Due Diligence Vendor-09/16/2022<br>| XXXX |  |  | NC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101484 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | XXXX | Ready for Review-Document Uploaded. - Seller-11/08/2022 <br>Ready for Review-Document Uploaded. - Seller-09/25/2022<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/09/2022 <br>Resolved-Finding resolved. Client provided master policy. - Due Diligence Vendor-11/09/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101484 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Client provided 1008. Finding resolved. - Due Diligence Vendor-09/30/2022 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/30/2022 <br>Ready for Review-Document Uploaded. - Seller-09/25/2022 <br>Open-The 1008 document is missing from the loan file. 1008 is missing from file. Please provide. - Due Diligence Vendor-09/14/2022 | Ready for Review-Document Uploaded. - Seller-09/25/2022<br>| Resolved-Client provided 1008. Finding resolved. - Due Diligence Vendor-09/30/2022 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/30/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101484 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Client provided DSCR on 1008. Finding resolved. - Due Diligence Vendor-09/30/2022 <br>Ready for Review-Document Uploaded. - Seller-09/25/2022 <br>Open-DSCR Calculation is missing from file. Please provide. - Due Diligence Vendor-09/14/2022 | Ready for Review-Document Uploaded. - Seller-09/25/2022<br>| Resolved-Client provided DSCR on 1008. Finding resolved. - Due Diligence Vendor-09/30/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101484 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/30/2022 <br>Ready for Review-Document Uploaded. - Seller-09/25/2022 <br>Open- All Interested Parties Not Checked with Exclusionary Lists The XXXX on page 469 does not include the Borrower's Real Estate Agent and their Company, the Appraiser and Company, the Title Company and Contact, HomeOwners Associations and Homeowners Insurance Company. - Due Diligence Vendor-09/19/2022 <br>Open-All Interested Parties Not Checked with Exclusionary Lists The XXXX on page 469 does not include the Borrower's Real Estate Agent and their Company, the Title Company and Contact, HomeOwners Associations and Homeowners Insurance Company. - Due Diligence Vendor-09/19/2022 | Ready for Review-Document Uploaded. - Seller-09/25/2022<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/30/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101484 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/30/2022 <br>Resolved-Client provided updated complete Fraud report. Finding resolved. - Due Diligence Vendor-09/30/2022 <br>Ready for Review-Document Uploaded. - Seller-09/25/2022 <br>Open-Fraud Report Shows Uncleared Alerts The XXXX on page 454 reflects Uncleared Alerts. - Due Diligence Vendor-09/19/2022 | Ready for Review-Document Uploaded. - Seller-09/25/2022<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/30/2022 <br>Resolved-Client provided updated complete Fraud report. Finding resolved. - Due Diligence Vendor-09/30/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101420 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing soft pull/refreshed credit report as required by the loan approval. | XXXX | Ready for Review-Document Uploaded. - Seller-11/18/2022 <br>Ready for Review-Document Uploaded. - Seller-11/18/2022 <br>Ready for Review-Document Uploaded. - Seller-10/25/2022 <br>Ready for Review-Document Uploaded. - Seller-10/25/2022 <br>Ready for Review-Document Uploaded. - Seller-10/05/2022<br>| Resolved-Finding Resolved. Client provided upated 1008, ratios alighn. <br> - Due Diligence Vendor-11/18/2022<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101420 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. - Seller-11/18/2022 <br>Ready for Review-Document Uploaded. - Seller-10/25/2022 <br>Ready for Review-Document Uploaded. - Seller-10/05/2022<br>| Resolved-Finding Resolved. Client providded updated 1008 with ratios 41.59/48.64%, monthly payment $677.00. - Due Diligence Vendor-11/18/2022<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101420 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/05/2022 <br>Resolved-Finding Resolved. Client provided VOR dated XXXX reflecting 22 months rental. - Due Diligence Vendor-10/05/2022 <br>Ready for Review-Document Uploaded. - Seller-10/05/2022 <br>Open-Housing History Does Not Meet Guideline Requirements Per Final 1003, Borrower is a renter for 1.8 months, file does not contain the Verification of Rental - Due Diligence Vendor-09/22/2022 | Ready for Review-Document Uploaded. - Seller-10/05/2022<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/05/2022 <br>Resolved-Finding Resolved. Client provided VOR dated 10/4/22 reflecting 22 months rental. - Due Diligence Vendor-10/05/2022<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101420 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Residual income requirement not met. | Resolved-Finding Reolved. Client provided residual income worksheet. - Due Diligence Vendor-10/05/2022 <br>Ready for Review-Document Uploaded. - Seller-10/05/2022 <br>Open-The file does not contain the residual income worksheet required when back end ratio exceeds 43%, Final 1008 reflects 45.56%, audited 49.84% due to missing soft pull reflecting paid down auto and revolving accounts. (Finding added) - Due Diligence Vendor-09/22/2022 | Ready for Review-Document Uploaded. - Seller-10/05/2022<br>| Resolved-Finding Reolved. Client provided residual income worksheet. - Due Diligence Vendor-10/05/2022<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101420 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing QM/ATR Checklist | Resolved-Finding Resolved. Client provided Underwriter Attestation. - Due Diligence Vendor-10/05/2022 <br>Ready for Review-Document Uploaded. - Seller-10/05/2022 <br>Open-UW Attestation form is missing from file. Please provide. - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. - Seller-10/05/2022<br>| Resolved-Finding Resolved. Client provided Underwriter Attestation. - Due Diligence Vendor-10/05/2022<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101420 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Assets not properly calculated. | XXXX | Ready for Review-Document Uploaded. - Seller-10/05/2022<br>| Resolved-Finding Resolved. Updated 1008 with reduced assets. <br> - Due Diligence Vendor-10/05/2022<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101426 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Finding Resolved. Client provided Letter of Explanation and XXXX XXXX The Appraiser will not update the "Owner Occupied" status to Tenant. File contains Lease dated prior to appraisal date. - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Open-Appraisal Occupant reflects "Owner" and Final 1003 reflects subject property as mailing address. LOX in file from Borrower stating he does not live in property. Please provide LOX from Appraiser.<br> - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Resolved-Finding Resolved. Client provided Letter of Explanation and FNMA G/L's. The Appraiser will not update the "Owner Occupied" status to Tenant. File contains Lease dated prior to appraisal date. - Due Diligence Vendor-11/15/2022<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101426 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-10/12/2022 <br>Resolved-Finding Resolved. Client provided 1008. - Due Diligence Vendor-10/12/2022 <br>Ready for Review-Document Uploaded. - Seller-10/09/2022 <br>Open-The 1008 document is missing from the loan file. 1008 is missing from the file. Please provide.<br> - Due Diligence Vendor-09/28/2022 | Ready for Review-Document Uploaded. - Seller-10/09/2022<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-10/12/2022 <br>Resolved-Finding Resolved. Client provided 1008. - Due Diligence Vendor-10/12/2022<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101426 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | XXXX | Ready for Review-Document Uploaded. - Seller-10/09/2022<br>| Resolved-Finding resolved. Cleint provided updated 1003 reflecting cash back as reserves. - Due Diligence Vendor-10/12/2022<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101426 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Finding Resolved. Client provided DSCR calculation worksheet/email. - Due Diligence Vendor-10/12/2022 <br>Ready for Review-Document Uploaded. - Seller-10/09/2022 <br>Open-DSCR calculation worksheet is missing in file. Please provide. Audited DSCR calculated as: Market Rent per 1007 XXXX or 1.02 - Due Diligence Vendor-09/28/2022 | Ready for Review-Document Uploaded. - Seller-10/09/2022<br>| Resolved-Finding Resolved. Client provided DSCR calculation worksheet/email. - Due Diligence Vendor-10/12/2022<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101426 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-10/12/2022 <br>Ready for Review-Document Uploaded. The highlighted amount was the amount that the underwriter used to be more conservative with their calculations. - Seller-10/09/2022 <br>Open-Tax bill and Tax info Sheet each reflect property taxes as XXXX or XXXX which does not match F1003 value of XXXX Please provide correct monthly value.<br> - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. The highlighted amount was the amount that the underwriter used to be more conservative with their calculations. - Seller-10/09/2022<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-10/12/2022<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101411 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | XXXX | Ready for Review-Document Uploaded. - Seller-11/18/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Ready for Review-Document Uploaded. - Seller-10/11/2022<br>| Resolved-Finding Resolved. Client provided the Affidavit of Scriveners Error. - Due Diligence Vendor-11/18/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101412 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Credit | Purpose does not meet eligibility requirement(s) | Waived-Finding waived. Client provided exception to LTV. - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/07/2022 <br>Open-The Borrower appears to be a Fist Time Investor as there are no other rental properties documented in the file. Per the XXXX page 43 of 52, 75% Max LTV for 1st Time Investor. File closed at 80%. - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. - Seller-11/07/2022<br>| Waived-Finding waived. Client provided exception to LTV. - Due Diligence Vendor-11/09/2022<br>| XXXX |  | Compensating factors: Fico 20 points higher than minimum<br> housing payment history 0x30x24<br> reserves<br> overall credit profile. | IN | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101412 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Fraud Alert not cleared per protocol | Resolved-Finding resolved. Client provided identity fraud alert letter confirming borrower's identity. - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/07/2022 <br>Open-Please provide Lenders Cert of protocol addressing "Identity Theft Alert" on credit report p.214. - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. - Seller-11/07/2022<br>| Resolved-Finding resolved. Client provided identity fraud alert letter confirming borrower's identity. - Due Diligence Vendor-11/09/2022<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101412 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing letter of explanation | XXXX | Ready for Review-Document Uploaded. - Seller-11/07/2022<br>| Resolved-Finding resolved. Client provided explanation. - Due Diligence Vendor-11/09/2022<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101412 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-10/27/2022 <br>Resolved-This finding is resolved. Client provided final title policy mechanics lien does not appear. - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. - Seller-10/26/2022 <br>Open-Property Title Issue Title reflects a mechanics lien for XXXX on page 288 - Sch B #9, the F Seller CD on page 57-60 does not reflect it being PIF, nor does the settlement stmnt on page 75. Please provide proof paid in full clearing the item. - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. - Seller-10/26/2022<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-10/27/2022 <br>Resolved-This finding is resolved. Client provided final title policy mechanics lien does not appear. - Due Diligence Vendor-10/27/2022<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101412 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset General | XXXX | Ready for Review-Document Uploaded. - Seller-10/19/2022<br>| Resolved-Uploaded bank statement, finding is resolved. - Due Diligence Vendor-10/19/2022<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101554 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI with policy number, finding resolved - Due Diligence Vendor-10/13/2022 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/13/2022 <br>Ready for Review-Document Uploaded. Updated Hazard Insurance Policy - Seller-10/12/2022 <br>Open-Hazard Insurance Policy Partially Provided Policy number missed, Please provide updated document - Due Diligence Vendor-10/06/2022 | Ready for Review-Document Uploaded. Updated Hazard Insurance Policy - Seller-10/12/2022<br>| Resolved-Received HOI with policy number, finding resolved - Due Diligence Vendor-10/13/2022 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/13/2022<br>| XXXX |  |  | MA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101554 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Fico < 680 <br>- Due Diligence Vendor-10/12/2022 <br>Ready for Review-Document Uploaded. - Seller-10/11/2022 <br>Counter-Thank you for the upload. It appears Interest Only (IO) requires the higher FICO of 680. Please advise for further clarification. I appreciate your time. - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. see matrix- - Seller-10/11/2022 <br>Open-Audited FICO of 630 is less than Guideline FICO of 680 Please Provide Exception letter for FICO - Due Diligence Vendor-10/06/2022 | Ready for Review-Document Uploaded. - Seller-10/11/2022 <br>Ready for Review-Document Uploaded. see matrix- - Seller-10/11/2022<br>| Waived-Fico < 680 <br>- Due Diligence Vendor-10/12/2022<br>| XXXX |  | LTV 5% or below max - actual 70%<br> DSCR 1.0+ - actual 1.01 | MA | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101562 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/14/2022 <br>Resolved-Document received, data updated. - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. - Seller-10/13/2022 <br>Open-The Final 1003 is Not Executed Loan Originator Signature is not available on file in final 1003 - Due Diligence Vendor-10/10/2022 | Ready for Review-Document Uploaded. - Seller-10/13/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/14/2022 <br>Resolved-Document received, data updated. - Due Diligence Vendor-10/14/2022<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101562 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-10/14/2022 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Added Other Finding - Due Diligence Vendor-10/10/2022 |  | Resolved-Resolved - Due Diligence Vendor-10/14/2022 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Added Other Finding - Due Diligence Vendor-10/10/2022<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101562 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. - Seller-10/13/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Please provide COC, or tolerance refund check in the amount of XXXX Fees has been increased from Initial LE XXXX to Revised Loan Estimate XXXX - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. - Seller-10/13/2022<br>|  | XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101419 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset 8 Expired | Resolved-Finding Resolved. Client provided bank statement dated XXXX for the EMD clearance. - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Open-Asset 8 Expired The EMD of XXXX per the contract and wire receipt on page 399 is dated 2/9/22. The file does not contain bank statment for this date. - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-Finding Resolved. Client provided bank statement dated 3/29/22 for the EMD clearance. - Due Diligence Vendor-11/15/2022<br>| XXXX |  |  | HI | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101419 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Letter of Explanation (Assets) missing or unexecuted | XXXX | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-Finding Resolved. Client provided LOA from joint account holder for access. - Due Diligence Vendor-11/15/2022<br>| XXXX |  |  | HI | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101419 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | XXXX | Ready for Review-Document Uploaded. - Seller-11/08/2022<br>| Resolved-Finding Resolved. Client provided BOA statements for proof of XXXX Mortgage paymenbt from 6/2022 to closing date. - Due Diligence Vendor-11/15/2022<br>| BankStatements.pdf |  |  | HI | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101419 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Client provided 1003 that reflects Gift of XXXX Finding is resolved. - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. - Seller-11/08/2022 <br>Open-The assets on the FInal 1003 do not reflect the Gift of XXXX - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. - Seller-11/08/2022<br>| Resolved-Client provided 1003 that reflects Gift of $300,000.00. Finding is resolved. - Due Diligence Vendor-11/08/2022<br>| XXXX |  |  | HI | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101419 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. - Seller-10/25/2022 <br>Ready for Review-Document Uploaded. - Seller-10/24/2022<br>| Resolved-1008 wih DSCR Ratio .93 has been provided. Finding is resolved. - Due Diligence Vendor-10/26/2022<br>| XXXX |  |  | HI | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101423 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-11/10/2022 <br>Rescinded-Addressed in duplicate finding, finding is rescinded. - Due Diligence Vendor-11/09/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/09/2022 <br>Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. We Received tolerance variance XXXX and we have lender credit XXXX to cure the tolerance. we can rescinded it<br> - Due Diligence Vendor-10/17/2022 |  | Resolved-Resolved - Due Diligence Vendor-11/10/2022 <br>Rescinded-Addressed in duplicate finding, finding is rescinded. - Due Diligence Vendor-11/09/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/09/2022 <br>Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. We Received tolerance variance $25 and we have lender credit $125 to cure the tolerance. we can rescinded it<br> - Due Diligence Vendor-10/17/2022<br>|  |  |  | NC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101423 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-11/10/2022 <br>Rescinded-Addressed in duplicate finding, finding is rescinded. - Due Diligence Vendor-11/09/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/09/2022 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. We Received tolerance variance XXXX and we have lender credit XXXX to cure the tolerance. we can rescinded it<br> - Due Diligence Vendor-10/17/2022 |  | Resolved-Resolved - Due Diligence Vendor-11/10/2022 <br>Rescinded-Addressed in duplicate finding, finding is rescinded. - Due Diligence Vendor-11/09/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/09/2022 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. We Received tolerance variance $25 and we have lender credit $125 to cure the tolerance. we can rescinded it<br> - Due Diligence Vendor-10/17/2022<br>|  |  |  | NC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101423 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Lender provided Tolerance cure in the amount of XXXX for increase in Appraisal and Desktop Appraisal fees. Finding resolved. - Due Diligence Vendor-11/10/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/10/2022 <br>Rescinded-COC Present in the file, finding is rescinded. - Due Diligence Vendor-11/09/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/09/2022 <br>Rescinded-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). We Received tolerance variance XXXX and we have lender credit XXXX to cure the tolerance. we can rescinded it<br> - Due Diligence Vendor-10/17/2022 |  | Resolved-Lender provided Tolerance cure in the amount of $125 for increase in Appraisal and Desktop Appraisal fees. Finding resolved. - Due Diligence Vendor-11/10/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/10/2022 <br>Rescinded-COC Present in the file, finding is rescinded. - Due Diligence Vendor-11/09/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/09/2022 <br>Rescinded-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,473.23.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). We Received tolerance variance $25 and we have lender credit $125 to cure the tolerance. we can rescinded it<br> - Due Diligence Vendor-10/17/2022<br>|  |  |  | NC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101423 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | State Reg | NC Bona Fide Discount Points Test | Resolved-Discount Point Fee Disclosure Fee added by the client, finding is resolved. - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/07/2022 <br>Open-This loan failed the bona fide discount points test due to one of the following findings: (NC §24-1.1A (c)(1)(b))The loan is a first lien mortgage and has a principal amount that is greater than or equal to XXXX and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.The discount points are marked as bona fide but an undiscounted rate value was not provided. - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. - Seller-11/07/2022<br>| Resolved-Discount Point Fee Disclosure Fee added by the client, finding is resolved. - Due Diligence Vendor-11/09/2022<br>| XXXX |  |  | NC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101423 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Federal Undiscounted Rate Validation Test | Open-This loan failed the federal undiscounted rate validation test.The loan charges a bona fide discount fee without any reduction of the interest rate from the undiscounted rate. The interest rate should be less than the undiscounted rate if a bona fide loan discount fee is charged. - Due Diligence Vendor-11/09/2022 |  |  |  |  |  | NC | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101559 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. - Seller-10/27/2022 <br>Open-The Final 1003 is Not Executed LO signature is missing in Final 1003 - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. - Seller-10/27/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/31/2022<br>| Final 1003 Winokur1.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101443 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved- - Due Diligence Vendor-11/08/2022 <br>Rescinded-Occupancy Statement located on Page 339 pf the file. File is rescinded. - Due Diligence Vendor-11/07/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-11/07/2022 <br>Ready for Review-Can you please confirm if the Business Purpose Affidavit is required for this loan type? - Seller-11/03/2022 <br>Open-Please provide missing business purpose affidavit. - Due Diligence Vendor-10/28/2022 | Ready for Review-Can you please confirm if the Business Purpose Affidavit is required for this loan type? - Seller-11/03/2022<br>| Resolved- - Due Diligence Vendor-11/08/2022 <br>Rescinded-Occupancy Statement located on Page 339 pf the file. File is rescinded. - Due Diligence Vendor-11/07/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-11/07/2022<br>|  |  |  | SC | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101443 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | XXXX | Ready for Review-Document Uploaded. - Seller-11/23/2022 <br>Ready for Review-Response from Underwriter: "income is correct 52327- rental income loss of $2378.65 which =49948.35" If this response is not sufficient to cure, please provide a rebuttal that I can use to explain which fields need to be updated on the 1008. - Seller-11/07/2022<br>| Resolved-Finding is Resolved. Updated 1008 with $153.08 "other" removed. - Due Diligence Vendor-11/25/2022 <br>Resolved-Per Client "income is correct 52327- rental income loss of $2378.65 which =49948.35". Finding is resolved. - Due Diligence Vendor-11/08/2022<br>| XXXX |  |  | SC | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101435 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% This finding is waived. Underwriter exception p.405 using the following comp factors; Residual income greater than 3X the VA. DTI below max by 5% or greater, 0X30X24 monthly housing history and reserves above minimum by 6 months or greater. - Due Diligence Vendor-10/27/2022 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% This finding is waived. Underwriter exception p.405 using the following comp factors; Residual income greater than 3X the VA. DTI below max by 5% or greater, 0X30X24 monthly housing history and reserves above minimum by 6 months or greater. - Due Diligence Vendor-10/27/2022<br>|  |  | Residual income greater than 3X the VA. <br> DTI below max by 5% or greater<br> 0X30X24 monthly housing history<br> reserves above minimum by 6 months or greater. | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101435 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Certificate of Corp./LLC Formation or Articles of Organization not in file | XXXX | Ready for Review-Document Uploaded. - Seller-12/08/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| XXXX | XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101435 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Letter of Explanation (Assets) missing or unexecuted | XXXX | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Finding Resolved. Client provided CPA letter for the use of busineess funds. - Due Diligence Vendor-12/06/2022<br>| Miscellaneous_2.pdf |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101418 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75%. LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived - Due Diligence Vendor-11/17/2022 <br>Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived. - Due Diligence Vendor-10/27/2022 |  | Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75%. LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived - Due Diligence Vendor-11/17/2022 <br>Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived. - Due Diligence Vendor-10/27/2022<br>|  |  | 0x30x24 month housing history<br> PITIA reserves above minimum by 6 months or greatertotaling over XXXX after closing. <br> DSCR ratio 1.08. <br> Current leases are above market rent. | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101418 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75%. LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived. - Due Diligence Vendor-11/17/2022 <br>Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived. - Due Diligence Vendor-10/27/2022 |  | Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75%. LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived. - Due Diligence Vendor-11/17/2022 <br>Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived. - Due Diligence Vendor-10/27/2022<br>|  |  | 0x30x24 month housing history<br> PITIA reserves above minimum by 6 months or greatertotaling over XXXX after closing. <br> DSCR ratio 1.08. <br> Current leases are above market rent. | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101418 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75%. LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived. - Due Diligence Vendor-11/17/2022 <br>Waived-Audited LTV of 80% exceeds Guideline LTV of 75% LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived. - Due Diligence Vendor-10/27/2022 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75%. LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived. - Due Diligence Vendor-11/17/2022 <br>Waived-Audited LTV of 80% exceeds Guideline LTV of 75% LTV of 80% exceeds Guideline Max of 75% for First Time Investor. UW Exception Approval for 80% LTV on age 419. Finding waived. - Due Diligence Vendor-10/27/2022<br>|  |  | 0x30x24 month housing history<br> PITIA reserves above minimum by 6 months or greatertotaling over XXXX after closing. <br> DSCR ratio 1.08. <br> Current leases are above market rent.  | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101418 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Finding Resolved. The Client provided an updated 1008 reflecting the DSCR ratio 1.08%.<br> - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Open-DSCR Worksheet missing from file.<br> - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Resolved-Finding Resolved. The Client provided an updated 1008 reflecting the DSCR ratio 1.08%.<br> - Due Diligence Vendor-11/14/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101428 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Finding Resolved. Client provided IEADS, the document is not signed, however it does reflect the correct total HOI annual premium. - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-TPR to rescind finding if Client acknowledges Non-QM. - Due Diligence Vendor-11/14/2022 <br>Open-The Initial Escorw Disclosure is on page 216, but it reflects an incorrect HomeOwners Insurance premium. It does not include the premium for both units. - Due Diligence Vendor-11/14/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Finding Resolved. Client provided IEADS, the document is not signed, however it does reflect the correct total HOI annual premium. - Due Diligence Vendor-11/22/2022<br>| XXXX |  |  | WY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101428 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Resolved-Finding Resolved. Client proivded updated 1008 reflecting the DSCR ratio as 1.43%. \*\*QC acknowledges typo on countered finding, I typed 1.48 in stead of 1.43%. \*\* - Due Diligence Vendor-11/22/2022<br>| XXXX |  |  | WY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101428 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | XXXX | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| XXXX | XXXX |  |  | WY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101415 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Deficient credit report. | XXXX | Ready for Review-Document Uploaded. Updated soft credit pull attached showing the 09/2022 payment. - Seller-10/31/2022<br>| Resolved-Client provided updated history reflecting First interstate account last paid 9/2022. Finding resolved. - Due Diligence Vendor-11/01/2022<br>| XXXX |  |  | WY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101432 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-Finding Resolved. Client provided updated 1008 with correct HOI monthly premium and an updated DSCR worksheet reflecting 1.08% DSCR ratio. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | LA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101417 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | Corporation/LLC:Operating Agreement Does Not Includes Authorization to Borrow and Designee Indicator | Waived-UW Exception for File is closing in the name of an LLC. Our borrower is 92% owner and there is another owner of that LLC that is owned by a different LLC of the percentage ownership of 1.5% - Due Diligence Vendor-10/27/2022 |  | Waived-UW Exception for File is closing in the name of an LLC. Our borrower is 92% owner and there is another owner of that LLC that is owned by a different LLC of the percentage ownership of 1.5% - Due Diligence Vendor-10/27/2022<br>|  |  | 1. PITIA reserves above minimum by 6 months or greater - 25 months; <br> 2. Reserves of over XXXX post closing and DSCR 1.17% - with the 1 personal guarantor on the file the majority of the LLC interest is covered, but a second LLC has 1 among the minor other interests in ownership of the LLC put on title | NJ | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101417 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Client provided Amended Operating Agreement. Finding resolved. - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. - Seller-10/31/2022 <br>Open-LLC Operating Agreement/Amended Operating Agreement and documentation referenced by UW regarding additional Ownership LLC is missing from file - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. - Seller-10/31/2022<br>| Resolved-Client provided Amended Operating Agreement. Finding resolved. - Due Diligence Vendor-11/01/2022<br>| XXXX |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101417 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | XXXX | XXXX | Resolved-Client provided Amended Operating Agreement. Finding resolved. - Due Diligence Vendor-11/01/2022<br>|  |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101417 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Client provided Guaranty Agreement. Finding resolved. - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Guaranty Agreement attached. - Seller-10/31/2022 <br>Open-Personal Guarantee for LLC missing from file<br> - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. Guaranty Agreement attached. - Seller-10/31/2022<br>| Resolved-Client provided Guaranty Agreement. Finding resolved. - Due Diligence Vendor-11/01/2022<br>| XXXX |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101417 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Client provided Business Purpose Affidavit. Finding resolved. - Due Diligence Vendor-11/01/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. - Seller-10/31/2022 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. - Seller-10/31/2022<br>| Resolved-Client provided Business Purpose Affidavit. Finding resolved. - Due Diligence Vendor-11/01/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-11/01/2022<br>| XXXX |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101433 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | XXXX | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| XXXX | XXXX |  |  | KY | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101441 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-12/06/2022 <br>Resolved-Finding is resolved, Client provided CPA. - Due Diligence Vendor-12/01/2022 <br>Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Counter-Please provide time borrower has been self employed/years they have prepared taxes for Borrower.<br> - Due Diligence Vendor-11/23/2022 <br>Ready for Review-Underwriter response: "Could you please expand on what is need in the CPA letter? Assets for down payment are personal and not business." - Seller-11/23/2022 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Ready for Review-Underwriter response: "Could you please expand on what is need in the CPA letter? Assets for down payment are personal and not business." - Seller-11/23/2022<br>| Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-12/06/2022 <br>Resolved-Finding is resolved, Client provided CPA. - Due Diligence Vendor-12/01/2022 <br>Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-12/01/2022<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101441 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 provided by the client. Finding is resolved. - Due Diligence Vendor-11/23/2022 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/23/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022 <br>Open-1008 is in file. However, Mortgage Insurance is included in the payment schedule and DTI calculations. No MI was found in file. Please provide confirmation of MI or updated 1008 removing MI payment and updated DTI Calculations. - Due Diligence Vendor-11/04/2022 <br>Open-1008 Document is Missing - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-1008 provided by the client. Finding is resolved. - Due Diligence Vendor-11/23/2022 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/23/2022<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101441 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Executed Deed of Trust has been provided by the client. The finding is resolved. - Due Diligence Vendor-11/17/2022 <br>Resolved-The Deed of Trust is Executed - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. - Seller-11/16/2022 <br>Open-The Deed of Trust is Not Executed Required Updated DOT Document with Borrower Signature - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. - Seller-11/16/2022<br>| Resolved-Executed Deed of Trust has been provided by the client. The finding is resolved. - Due Diligence Vendor-11/17/2022 <br>Resolved-The Deed of Trust is Executed - Due Diligence Vendor-11/17/2022<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101441 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Compliance | Points & Fees | XXXX Spread Home Loan Test | Waived-This loan failed the XXXX spread home loan test.<br> (NC GS §24-1.1F(a)(7))<br> The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.<br>While the XXXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-10/28/2022 |  | Waived-This loan failed the XXXX spread home loan test.<br> (NC GS §24-1.1F(a)(7))<br> The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.<br>While the XXXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-10/28/2022<br>|  |  | Per External Counsel Appropriate to Waive as a B Grade | NC | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101563 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-LTV > 85% <br> - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. - Seller-10/27/2022 <br>Open-Audited LTV of 90% exceeds Guideline LTV of 85% 5% LTV exception above max LTV, please advise on the 6 months reserves above and beyond standard requirement comp factor, file currently shows XXXX months reserves with 3 months required reserves - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. - Seller-10/27/2022<br>| Waived-LTV > 85% <br> - Due Diligence Vendor-10/28/2022<br>| XXXX |  | -$3500 residual income (current residual income of $7,332.6)<br> DTI below max by 5% or > (current 44.58%) | FL | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101563 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Document received, data updated. - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. - Seller-10/27/2022 <br>Open-Please provide a signed copy of the initial 1003 - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. - Seller-10/27/2022<br>| Resolved-Document received, data updated. - Due Diligence Vendor-10/28/2022<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101560 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/04/2022 <br>Resolved- - Due Diligence Vendor-11/04/2022 <br>Ready for Review-Document Uploaded. - Seller-11/02/2022 <br>Open-The Final 1003 is Not Executed LO signature is missing in Final 1003. - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. - Seller-11/02/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/04/2022<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101431 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Credit | Tradeline minimum has not met guidelines | Waived- - Due Diligence Vendor-11/08/2022 <br>Open-We have loan Exception on Page Number #260, The Borrower(s) must have a minimum of three trade lines that have been open for at least twenty-four months At least two of the trade lines must show activity within the past twelve months - Due Diligence Vendor-10/26/2022 |  |  |  |  | 1. Credit Score above minimum by 20 points or greater (FICO 808).<br> 2. 0X30X24 month housing history<br> 3. Current primary residence owned Free & Clear. Estimated value XXXX<br> 4. Almost no debt<br> 5. Reserves (over 10 months reserves) | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101431 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding Resolved. Client provided Personal Guaranty executed by Borrower. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Open-Please provide borrower executed "Guaranty Agreement" referenced as required in closing instructions page 242. - Due Diligence Vendor-11/28/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022<br>| Resolved-Finding Resolved. Client provided Personal Guaranty executed by Borrower. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101431 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | XXXX | Resolved-Finding Resolved. Client confirmed the .01 difference in DSCR ratio, QC will update the comments for the report. - Due Diligence Vendor-11/28/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101446 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/28/2022 <br>Resolved-Finding resolved. Client provided CDA. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/28/2022 <br>Resolved-Finding resolved. Client provided CDA. - Due Diligence Vendor-11/28/2022<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101446 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Finding resolved. Client provided LE. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. - Seller-11/16/2022 <br>Open-Initial LE is missing in the File. Please provide all LE's and CD's for file. Compliance testing upon receipt. Additional findings may apply.<br> - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. - Seller-11/16/2022<br>| Resolved-Finding resolved. Client provided LE. - Due Diligence Vendor-11/17/2022<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101422 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-LE 9/19/22 provided by the client, finding is resolved. - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. An updated LE was provided on 09/19. - Seller-10/27/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Underwriting Fee increased in the amount of XXXX Pleases provide LE within 3 days of COC date 9/19 or tolerance cure of XXXX - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. An updated LE was provided on 09/19. - Seller-10/27/2022<br>| Resolved-LE 9/19/22 provided by the client, finding is resolved. - Due Diligence Vendor-10/27/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101476 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | XXXX | Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/09/2022<br>| Resolved-Finding resolved. Client provided pay history and Nov 2022 statement. - Due Diligence Vendor-12/15/2022<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101476 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Finding is resolved. 1008 provided by the client with income of XXXX - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Lender Bank Statement Worksheet is present. However, Income on 1003/1008 is higher than income calculated on worksheet. Please provide LOX as to use of higher income value. - Due Diligence Vendor-10/28/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Finding is resolved. 1008 provided by the client with income of $15,320. - Due Diligence Vendor-12/02/2022<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101466 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is missing | XXXX | Ready for Review-Document Uploaded. - Seller-12/02/2022 <br>Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/25/2022<br>| Resolved-Finding Resolved. Client provided fully executed Personal Guaranty - Due Diligence Vendor-12/02/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101555 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/02/2022 <br>Ready for Review-Document Uploaded. - Seller-11/01/2022 <br>Open-1008 Document is Missing Appraisal Value in Appraisal Report is higher then Appraisal Value in 1008. Please Provide Updated 1008 showing Appraisal Value as per Appraisal Report. - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. - Seller-11/01/2022<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/02/2022<br>| LOPrint(34).pdf |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101555 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. Exception to LTV - Seller-11/01/2022<br>| Waived-LTV 80% DSCR <1.25 - Due Diligence Vendor-11/02/2022<br>| XXXX |  | DSCR > 1.0 - actual 1.23<br> Excess Reserves 3+ months - actual 979.18 | TX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101556 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/02/2022 <br>Rescinded-Document received, data updated. - Due Diligence Vendor-11/02/2022 <br>Ready for Review-Document Uploaded. - Seller-11/01/2022 <br>Open-Fraud Report Shows Uncleared Alerts GSA-EPLS Status Fail in page 275 of credit pkg<br> - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. - Seller-11/01/2022<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/02/2022 <br>Rescinded-Document received, data updated. - Due Diligence Vendor-11/02/2022<br>| dianna ortix.pdf |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101556 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved- - Due Diligence Vendor-11/02/2022 <br>Rescinded-Potential Fraud Reflected on Fraud Report is Resolved or None Exists No fraud, finding rescinded - Due Diligence Vendor-10/27/2022 |  | Resolved- - Due Diligence Vendor-11/02/2022 <br>Rescinded-Potential Fraud Reflected on Fraud Report is Resolved or None Exists No fraud, finding rescinded - Due Diligence Vendor-10/27/2022<br>|  |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101557 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | XXXX | Ready for Review-Document Uploaded. The borrower has 2 policies -1 for Units 1-2 and 1 for Units 3-4. (Units listed under address) - Seller-11/01/2022<br>| XXXX | HOI - HAZARD INSURANCE(51).pdf<br>HOI - HAZARD INSURANCE(50).pdf |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101557 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | XXXX | XXXX | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-11/02/2022<br>|  |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101315 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | XXXX | Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| XXXX | Supplemental Report - Coverage Amount and Proposed Insured - Loan Policy Only.pdf<br>Supplemental Report - Exceptions.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101315 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-11/10/2022 <br>Resolved-Hazard insurance endorsement letter with correct city received, resolved. - Due Diligence Vendor-11/10/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Open-Subject Property on Note does not match Insured Property Address City Name Not Matching on Insurance Doc, Also, insurance expiration date is not Provided on Document - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-11/10/2022 <br>Resolved-Hazard insurance endorsement letter with correct city received, resolved. - Due Diligence Vendor-11/10/2022<br>| hazard endorsement letter.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101315 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Final refinance statement received and updated to review, resolved. - Due Diligence Vendor-11/10/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Open-HUD fees entered, but this is a Dry Funding state. Please confirm if p206 is the Final HUD or please provide a Stamped / Certified Final HUD. Thank you. - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Resolved-Final refinance statement received and updated to review, resolved. - Due Diligence Vendor-11/10/2022<br>| Final-Borrower Statement.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101315 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Title issue | Resolved-Title report with corrected city received, resolved. - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Open-City name on Title doc is not Matching with Note, DOT or Final 1003, Please Verify that or provide addendum in file. - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Resolved-Title report with corrected city received, resolved. - Due Diligence Vendor-11/09/2022<br>| Supplemental Report - Coverage Amount and Proposed Insured - Loan Policy Only.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101315 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | XXXX | Ready for Review-Reserves are not required for this program. This is a DSCR no ratio - Seller-11/04/2022<br>| Resolved-Audited Reserves of 4.81 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-11/09/2022<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101553 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | XXXX | XXXXX | Resolved-Audited FICO of 688 is greater than or equal to Guideline FICO of 680 - Due Diligence Vendor-11/02/2022 <br>Rescinded-Clarification received, data updated. - Due Diligence Vendor-11/02/2022<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101553 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | XXXX | XXXX | Resolved-Audited Loan Amount of XXXX is less than or equal to the Guideline Maximum Loan Amount of XXXX - Due Diligence Vendor-11/02/2022 <br>Rescinded-Clarification received, data updated. - Due Diligence Vendor-11/02/2022<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101462 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Property | Appraisal | Lowest appraised value > 10% variance from CDA value | XXXX |  | Waived-Finding Waived. Client provided Loan Approval Exception dated 12/21/22. Exception requested to uses CDA value XXXX since LTV is 53% with that vs XXXX appraised value & avoid the unnecessary expense of obtaining a 2nd full appraisal - Due Diligence Vendor-12/29/2022 <br>Waived-Finding Waived. Client provided Loan Approval Exception dated 12/21/22. Exception requested to uses CDA value XXXX since LTV is 53% with that vs XXXX appraised value & avoid the unnecessary expense of obtaining a 2nd full appraisal. - Due Diligence Vendor-12/22/2022 <br>Waived-Test for Final Grade - Client Communication - Due Diligence Vendor-12/15/2022 <br>Resolved-Finding is resolved. Per 1008 provided by the client, the lower of the 2 values in the amount of $865,000 was used. - Due Diligence Vendor-12/09/2022 <br>Resolved-The Variance between the Property Value of the Secondary Valuation and the Property Value of the Primary Valuation is within 10% or Not Applicable. - Due Diligence Vendor-12/09/2022<br>|  |  | 0X30X24 month housing history <br> PITIA reserves above minimum by 6 months or greater. (Calculated 27 Months)<br> 53% LTV. | NJ | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101462 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. - Seller-11/16/2022 <br>Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. Secondary Valuation is missing per securitization requirements - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. - Seller-11/16/2022<br>| Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-11/17/2022<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101462 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Transmittal (1008) is Missing | XXXX | Ready for Review-Document Uploaded. - Seller-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-Finding Resolved. Client uploaded the Exception to the Bulletin board. - Due Diligence Vendor-12/22/2022 <br>Resolved-test - Due Diligence Vendor-12/14/2022 <br>Resolved-Finding is resolved. Per 1008 provided by the client, the lower of the 2 values in the amount of $865,000 was used. - Due Diligence Vendor-12/09/2022<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101462 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-DSCR calculation as follows : 7104 / 4612.08 = 1.54. Updated 1008 provided, finding is resolved. - Due Diligence Vendor-11/23/2022<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101427 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-Finding is resolved. Updated 1008 provided by the client. - Due Diligence Vendor-11/25/2022<br>| XXXX |  |  | GA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101434 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy | XXXX | Ready for Review-Underwriter Response: EMD was not verified in the file & was just included in the Cash to Close bottom line. Borrower has plenty of assets verified in the file to cover. - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-Finding Resolved. Transaction closed as DSCR 2.14% 75% LTV, Post Closing Reserves: $67500, the EMD was < 3.5% of Loan Amount. <br> Client response: Underwriter Response: EMD was not verified in the file & was just included in the Cash to Close bottom line. Borrower has plenty of assets verified in the file to cover. - Due Diligence Vendor-12/08/2022 <br>Resolved-Updated sales contract with removal of EMD in the amount of $5,000 is removed. Finding is resolved. - Due Diligence Vendor-11/23/2022<br>| XXXX |  |  | OH | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101434 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-Updated 1008 provided with DSCR Calculation to reflect 2.14, finding is resolved. - Due Diligence Vendor-11/23/2022<br>| XXXX |  |  | OH | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101414 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy | XXXX | Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Resolved-Client provided proof of $4000 EMD wire on 9/15/22. Finding resolved. - Due Diligence Vendor-11/14/2022<br>| XXXX |  |  | OH | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101414 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR with calculation of 2.26 provided by the client. This finding is resolved. - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Open-DSCR Calculation is missing from file. 1008 reflects DSCR of 2.38 but missing calculation. Calculation should reflect 3269.42 x .95=3105.95 / 1371.5= 2.26<br> - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Resolved-DSCR with calculation of 2.26 provided by the client. This finding is resolved. - Due Diligence Vendor-11/14/2022<br>| XXXX |  |  | OH | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101448 |  |  | Closed | XXXX | XXXX | Resolved | C A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Finding Resolved. Client provided the Underwriter Attestation. - Due Diligence Vendor-12/08/2022 <br>Ready for Review-Document Uploaded. - Seller-12/08/2022 <br>Open-The file does not contain the Underwriter Attestation - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. - Seller-12/08/2022<br>| Resolved-Finding Resolved. Client provided the Underwriter Attestation. - Due Diligence Vendor-12/08/2022<br>| XXXX |  |  | KY | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101448 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet provided by the client, finding is resolved. - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/07/2022 <br>Open-Bak Statement Income Worksheet missing from file. Please provide. - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. - Seller-11/07/2022<br>| Resolved-Income Worksheet provided by the client, finding is resolved. - Due Diligence Vendor-11/09/2022<br>| Form 404 - Bank Statement Calculator-Business Bank.pdf |  |  | KY | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101366 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Missing 4506-T form | Resolved-4506-C received, resolved. - Due Diligence Vendor-01/12/2023 <br>Resolved-4506-C received, resolved. - Due Diligence Vendor-01/12/2023 <br>Ready for Review-Document Uploaded. Please find the signed 4506-C form. - Seller-01/10/2023 <br>Open-May I please follow up on this finding pending since XXXX QA added this finding per audit the 4506T missing for this review. - Due Diligence Vendor-01/04/2023 <br>Open-Need 4506T per GL for full doc. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. Please find the signed 4506-C form. - Seller-01/10/2023<br>| Resolved-4506-C received, resolved. - Due Diligence Vendor-01/12/2023 <br>Resolved-4506-C received, resolved. - Due Diligence Vendor-01/12/2023<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101366 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Final HUD received and updated to loan review, resolved. - Due Diligence Vendor-11/07/2022 <br>Ready for Review-Document Uploaded. - Seller-11/02/2022 <br>Open-Subject Property is in Dry Funding State XXXX whereas provided HUD Doc in not properly Sealed with Certification or stamped - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. - Seller-11/02/2022<br>| Resolved-Final HUD received and updated to loan review, resolved. - Due Diligence Vendor-11/07/2022<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101561 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 623 is greater than or equal to Guideline FICO of 620 - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. UW qualified borrower on Matrix prior to updated Matrix on 10.12.22 - Seller-11/10/2022 <br>Counter-Fico less than guidelines. Please provide an exception. - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/08/2022 <br>Open-Audited FICO of 623 is less than Guideline FICO of 680 - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. UW qualified borrower on Matrix prior to updated Matrix on 10.12.22 - Seller-11/10/2022 <br>Ready for Review-Document Uploaded. - Seller-11/08/2022<br>| Resolved-Audited FICO of 623 is greater than or equal to Guideline FICO of 620 - Due Diligence Vendor-11/14/2022<br>| XXXX |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101561 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | XXXX | Ready for Review-Document Uploaded. - Seller-11/08/2022<br>| Resolved-Audited Loan Amount of XXXX is greater than or equal to the Guideline Minimum Loan Amount of XXXX - Due Diligence Vendor-11/14/2022 <br>Waived-Loan amount XXXX - Due Diligence Vendor-11/08/2022<br>| XXXX |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101561 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-11/14/2022 <br>Rescinded-Audited Reserves of 41.49 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-11/01/2022 |  | Resolved- - Due Diligence Vendor-11/14/2022 <br>Rescinded-Audited Reserves of 41.49 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-11/01/2022<br>|  |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101561 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Received updated desk review, finding resolved - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. - Seller-11/10/2022 <br>Counter-Please advise the desk review date, it is dated after the appraisal in file - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. CDA Review - Seller-11/07/2022 <br>Open-Second Appraisal/ Valuation is Missing Please provide CDA - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. - Seller-11/10/2022 <br>Ready for Review-Document Uploaded. CDA Review - Seller-11/07/2022<br>| Resolved-Received updated desk review, finding resolved - Due Diligence Vendor-11/14/2022<br>| CDA REVIEW (85).pdf<br>CDA REVIEW(9).pdf |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101561 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Approval Certificate received. Finding Resolved - Due Diligence Vendor-11/10/2022 <br>Ready for Review-Document Uploaded. - Seller-11/08/2022 <br>Open-Please advise on the loan approval in file, it is stating this is a DSCR loan, documentation in file is showing it is a 12 month business statement loan - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. - Seller-11/08/2022<br>| Resolved-Approval Certificate received. Finding Resolved - Due Diligence Vendor-11/10/2022<br>| APPROVAL CERTIFICATE_(22).pdf |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101464 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 747 is less than Guideline FICO of 760 Loan Approval Exception on page 541 reflects: 90% LTV requires 760 FICO - requesting Excerpion for 90% LTV with 727 FICO. (File contains an updated credit report dated XXXX on page 261 with score of 747)<br> - Due Diligence Vendor-12/29/2022 <br>Waived-Audited FICO of 747 is less than Guideline FICO of 760 Loan Approval Exception on page 541 reflects: 90% LTV requires 760 FICO - requesting Excerpion for 90% LTV with 727 FICO. (File contains an updated credit report dated XXXX on page 261 with score of 747) - Due Diligence Vendor-11/07/2022 |  | Waived-Audited FICO of 747 is less than Guideline FICO of 760 Loan Approval Exception on page 541 reflects: 90% LTV requires 760 FICO - requesting Excerpion for 90% LTV with 727 FICO. (File contains an updated credit report dated 9/14/22 on page 261 with score of 747)<br> - Due Diligence Vendor-12/29/2022 <br>Waived-Audited FICO of 747 is less than Guideline FICO of 760 Loan Approval Exception on page 541 reflects: 90% LTV requires 760 FICO - requesting Excerpion for 90% LTV with 727 FICO. (File contains an updated credit report dated 9/14/22 on page 261 with score of 747) - Due Diligence Vendor-11/07/2022<br>|  |  | -Time on Job of 5 years or greater (6.16)<br> - DTI is 4.62% below the max of 50%<br> - No derogatory credit. | FL | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101438 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Client provided LOX for lender credit removal. Finding is resolved. - Due Diligence Vendor-11/23/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022 <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits XXXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The Inital CD dagted XXXX on pages 214 and 224 reflects a Lender Credit for XXXX however the file does not contain a Change of Circumstance removing the Lender Credit and the FInal CD dated XXXX on page 219 does not reflect the Lender Credit. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-Client provided LOX for lender credit removal. Finding is resolved. - Due Diligence Vendor-11/23/2022<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101438 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present, finding is resolved. - Due Diligence Vendor-11/17/2022 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. - Seller-11/16/2022 <br>Open-The Deed of Trust is Missing from file. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. - Seller-11/16/2022<br>| Resolved-The Deed of Trust is Present, finding is resolved. - Due Diligence Vendor-11/17/2022 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/17/2022<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101424 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation, finding is resolved. - Due Diligence Vendor-11/17/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. - Seller-11/17/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 Secondary Valuation, required due to CU Score >2.5, is missing from file. Please provide. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. - Seller-11/17/2022<br>| Resolved-Secondary Valuation, finding is resolved. - Due Diligence Vendor-11/17/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/17/2022<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101424 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-XXXX provided by the client, finding is resolved. - Due Diligence Vendor-11/17/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. - Seller-11/17/2022 <br>Open-Third Party Fraud Report Partially Provided We have only pg Fraud report - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. - Seller-11/17/2022<br>| Resolved-XXXX provided by the client, finding is resolved. - Due Diligence Vendor-11/17/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/17/2022<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101424 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Loan Estimate provided by the client; finding is resolved. - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. - Seller-11/08/2022 <br>Open-Initial, and all subsequent LE's are missing from file. Please provide. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. - Seller-11/08/2022<br>| Resolved-Loan Estimate provided by the client; finding is resolved. - Due Diligence Vendor-11/09/2022<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101424 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/09/2022 |  |  |  |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101424 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/09/2022 |  |  |  |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101424 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/09/2022 |  |  |  |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101425 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | XXXX | Ready for Review-Document Uploaded. - Seller-11/04/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/07/2022 <br>Resolved-Finding resolved. Client provided Secondary Valuation. - Due Diligence Vendor-11/07/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101552 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | XXXX | Ready for Review-Document Uploaded. - Seller-11/02/2022<br>| Resolved-Title Coverage Amount of $330000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/10/2022 <br>Resolved-Received document from client. Resolved - Due Diligence Vendor-11/03/2022<br>| CL-272 Loan Policy.pdf |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101552 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of 10-22-2023 is Equal to or After the Transaction Date ofXXXX2 Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-11/10/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Open-Master Policy Expiration Date of 10-22-2022 is Prior To the Transaction Date oXXXXPlease provide updated copy. Thank you. - Due Diligence Vendor-11/02/2022 | Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Resolved-Master Policy Expiration Date of XXXX is Equal to or After the Transaction Date of XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-11/10/2022<br>| XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101558 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. - Seller-11/10/2022 <br>Open-The Final 1003 is Not Executed Missing Originator Sign in Final 1003. Please provide updated document. Thank you. - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. - Seller-11/10/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/14/2022<br>| XXXX |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101558 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Document received, data updated. - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Counter-Please advise, closing date is XXXX with a disbursement date of XXXX prepaid interest is until XXXX and borrower signed on XXXX - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. - Seller-11/14/2022 <br>Open-TRID: Missing Final Closing Disclosure We have One CD Which was Located is on Page # 1 Closing Pkg But in that we don't have Issue Date to Consider - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Ready for Review-Document Uploaded. - Seller-11/14/2022<br>| Resolved-Document received, data updated. - Due Diligence Vendor-11/22/2022<br>| XXXX |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101437 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Finding Rescinded. Client provided lock, QC confirmed the Discount Point Fee Disclosure page 277. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Open-File does not contain a signed/date rate lock, page 393 is not executed. All other HPML requirements have been met. The Tracking documents on pages 280-321 do not encompass the lock date of 10/13/22 - Due Diligence Vendor-11/18/2022 <br>Open- - Due Diligence Vendor-11/18/2022 <br>Rescinded-Finding Rescinded. Non-QM - Due Diligence Vendor-11/18/2022 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/28/2022<br>| Resolved-Finding Rescinded. Client provided lock, QC confirmed the Discount Point Fee Disclosure page 277. - Due Diligence Vendor-11/28/2022 <br>Rescinded-Finding Rescinded. Non-QM - Due Diligence Vendor-11/18/2022<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101437 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Finding Resolved. Client provided Initial CD. - Due Diligence Vendor-11/18/2022 <br>Ready for Review-Document Uploaded. - Seller-11/17/2022 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure document is missing From file. Please provide. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/17/2022<br>| Resolved-Finding Resolved. Client provided Initial CD. - Due Diligence Vendor-11/18/2022<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101437 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/18/2022 |  |  |  |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101437 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/18/2022 |  |  |  |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101437 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/18/2022 |  |  |  |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101437 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. - Seller-11/17/2022<br>| Resolved-Finding Resolved. Client provided updated 1008, DTI aligns. - Due Diligence Vendor-11/18/2022<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101437 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Finding Resolved. Client provided updated 1008 with corrected insurance payments, ratios. - Due Diligence Vendor-11/18/2022 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/18/2022 <br>Ready for Review-Document Uploaded. - Seller-11/17/2022 <br>Open-1008 Document is Missing Please Provide Updated 1008 document with Correct Insurance Amount. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/17/2022<br>| Resolved-Finding Resolved. Client provided updated 1008 with corrected insurance payments, ratios. - Due Diligence Vendor-11/18/2022 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/18/2022<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101437 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/18/2022 <br>Resolved-Finding Resolved. Client provided XXXX dated 10/21/22 - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Open-Third Party Fraud Report Partially Provided Missing Third Party Fraud Report The file does not have the XXXX. OFAC for Borrower within credit report and and LPA only on page 386 - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/18/2022 <br>Resolved-Finding Resolved. Client provided XXXX dated 10/21/22 - Due Diligence Vendor-11/16/2022<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101472 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-12/09/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/16/2022 <br>Cured-Client provided COC addressing Discount Points, Recording Fee and Title Doc Prep. Tolerance cure of XXXX provided on Final CD. Finding cured. - Due Diligence Vendor-11/16/2022 <br>Counter- - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC missing - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-Resolved - Due Diligence Vendor-11/16/2022 <br>Cured-Client provided COC addressing Discount Points, Recording Fee and Title Doc Prep. Tolerance cure of $25.70 provided on Final CD. Finding cured. - Due Diligence Vendor-11/16/2022<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101472 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Residual income requirement not met. | Resolved-Finding is resolved. Updated income calculation worksheet has provided. - Due Diligence Vendor-11/25/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022 <br>Open-Residual Income Worksheet is on page no, 344, which is showing incorrect PITIA in residual income. Need corrected one. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-Finding is resolved. Updated income calculation worksheet has provided. - Due Diligence Vendor-11/25/2022<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101472 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-The finding is resolved. Updated 1008 provided by the client. DTI corrected - Due Diligence Vendor-11/25/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022 <br>Open-Calculated DTI does not match 1008, due to tax amount mismatch - Tax amount reflecting in 1008 (page no. 27) is XXXX month. Final CD (page no. 225) reflects tax amount of XXXX per month and Tax Cert on page 423 reflects XXXX = XXXX per month. Please provide updated 1008 to reflect correct Tax amount and DTI's. - Due Diligence Vendor-11/16/2022 <br>Open-DTI is not matching with 1008, due to tax amount mismatch - Tax amount reflecting in 1008 (page no. 27) is XXXX = XXXX XXXX month where as we have tax on Final CD (page no. 225) is XXXX per month. Tax Cert on page 423 reflects XXXX = XXXX - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-The finding is resolved. Updated 1008 provided by the client. DTI corrected - Due Diligence Vendor-11/25/2022<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101472 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Finding is resolved. CDA provided by the client. - Due Diligence Vendor-11/25/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/25/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022 <br>Open-CU score of 2.6. Per Guidelines, Secondary Valuation required. Please provide. - Due Diligence Vendor-11/16/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-Finding is resolved. CDA provided by the client. - Due Diligence Vendor-11/25/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/25/2022<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101472 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Client provided Rate Lock Information. Finding resolved. - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Open-Rate lock evidence is missing in file - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-Client provided Rate Lock Information. Finding resolved. - Due Diligence Vendor-11/16/2022<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101447 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | XXXX | Ready for Review-Document Uploaded. - Seller-12/07/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Finding Resolved. Client provided Letter of Access for the account.<br> - Due Diligence Vendor-12/07/2022<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101447 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Residual income unknown | Resolved-QC Update: Finding Resolved. The Residual Income calculation is needed for the HPML finding, ratios are under the 43%. - Due Diligence Vendor-12/02/2022 <br>Rescinded-Finding Rescinded. The Final 1008 revealed the Final ratios as 40.87/42.69% and TPR aligns. - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-The file does not document the residual income, ratios are 46.01/48.06%. - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-QC Update: Finding Resolved. The Residual Income calculation is needed for the HPML finding, ratios are under the 43%. - Due Diligence Vendor-12/02/2022 <br>Rescinded-Finding Rescinded. The Final 1008 revealed the Final ratios as 40.87/42.69% and TPR aligns. - Due Diligence Vendor-12/02/2022<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101447 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fonding Resolved. Client provided XXXX dated 11/15/22. - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Fonding Resolved. Client provided XXXX dated 11/15/22. - Due Diligence Vendor-12/02/2022<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101447 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/02/2022 <br>Resolved-Finding Resolved. Client provided the 1008. - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/02/2022 <br>Resolved-Finding Resolved. Client provided the 1008. - Due Diligence Vendor-12/02/2022<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101523 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-Finding is resolved, updated 1008 and DSCR Calculation provided by the client. - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101523 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Finding is resolved, updated 1008 and DSCR Calculation provided by the client. - Due Diligence Vendor-02/03/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Open-Client contact via email update on aged findings. - Due Diligence Vendor-01/27/2023 <br>Open-1008 is in file. However, HOI payment reflects XXXX which does not match HOI Declaration page premium of XXXX Please provide updated 1008 to reflect correct HOI amount. - Due Diligence Vendor-01/24/2023 <br>Open-1008 is in file. However, HOI payment reflects XXXX which does not match HOI Declaration page premium of XXXX Please provide updated 1008 to reflect correct HOI amount. - Due Diligence Vendor-01/17/2023 <br>Open-Client Contact for Resolution 1/3/2023. - Due Diligence Vendor-01/06/2023 <br>Open-Client contact for resolution via email. - Due Diligence Vendor-12/22/2022 <br>Open-1008 is in file. However, HOI payment reflects XXXX which does not match HOI Declaration page premium of XXXX Please provide updated 1008 to reflect correct HOI amount. - Due Diligence Vendor-12/21/2022 <br>Open-1008 is in file. However, HOI payment reflects XXXX which does not match HOI Declaration page premium of XXXX Please provide updated 1008 to reflect correct HOI amount. - Due Diligence Vendor-12/13/2022 <br>Open-1008 is in file. However, HOI payment reflects XXXX which does not match HOI Declaration page premium of XXXX Please provide updated 1008 to reflect correct HOI amount.<br> - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-Finding is resolved, updated 1008 and DSCR Calculation provided by the client. - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101523 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | XXXX | Ready for Review-Document Uploaded. - Seller-12/28/2022 <br>Ready for Review-Can management please review and confirm that this document is required for this loan type. - Seller-11/14/2022<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/03/2023 <br>Resolved-Finding is resolved. BPA provided by the client. - Due Diligence Vendor-12/28/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/28/2022<br>| XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101523 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Lease End Date was prior to Note Date | Resolved-Finding is resolved, Lease updated with end date uploaded by the client. - Due Diligence Vendor-02/03/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Open-Client contact via email update on aged findings. - Due Diligence Vendor-01/27/2023 <br>Open-Please provide corrected and initialed Lease to include complete termination date. Lease on page 420 is missing termination date year in Paragraph 2 - Due Diligence Vendor-01/24/2023 <br>Open-Please provide corrected and initialed Lease to include complete termination date. Lease on page 420 is missing termination date year in Paragraph 2 - Due Diligence Vendor-01/17/2023 <br>Open-Client Contact for Resolution XXXX - Due Diligence Vendor-01/06/2023 <br>Open-Client contact for resolution via email. - Due Diligence Vendor-12/22/2022 <br>Open-Please provide corrected and initialed Lease to include complete termination date. Lease on page 420 is missing termination date year in Paragraph 2<br> - Due Diligence Vendor-12/21/2022 <br>Open- Please provide corrected and initialed Lease to include complete termination date. Lease on page 420 is missing termination date year in Paragraph 2 - Due Diligence Vendor-12/13/2022 <br>Open-Lease on page 420 is missing termination date year in Paragraph 2. Please provide corrected and initialed Lease to include complete termination date. - Due Diligence Vendor-12/08/2022 <br>Open-Lease on page 420 is missing termination date year in Paragraph 2. Please provide corrected and initialed Lease to include complete termination date. - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-Finding is resolved, Lease updated with end date uploaded by the client. - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101486 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Client provided Business Purpose Affidavit. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. - Seller-11/14/2022 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/14/2022<br>| Resolved-Client provided Business Purpose Affidavit. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-11/15/2022<br>| XXXX |  |  | CT | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101486 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Client provided XXXX Report. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. - Seller-11/14/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/14/2022<br>| Resolved-Client provided XXXX. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/15/2022<br>| XXXX |  |  | CT | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101486 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | Resolved-Finding resolved. Client provided CDA. - Due Diligence Vendor-12/09/2022 <br>Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Open-The UCDP score is N/A due to the subject property type of 204 unit, the file does not contain a CDA. - Due Diligence Vendor-12/08/2022 | Ready for Review-Document Uploaded. - Seller-12/09/2022<br>| Resolved-Finding resolved. Client provided CDA. - Due Diligence Vendor-12/09/2022<br>| XXXX |  |  | CT | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101486 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Finding Reolved. Client provided an updated DSCR calcualtion using 100% rental as factor. 1.38% - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Open-The 1008 reflected aa 95% Factor for the DSCR calculation, please confirm if 100% is not applicable to this file, loan was locked 10/20/22 per the COC on page 175. - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022<br>| Resolved-Finding Reolved. Client provided an updated DSCR calcualtion using 100% rental as factor. 1.38% - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | CT | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101486 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Finding Resolved. Client provided an updated 1008 with correct P&I. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Open-The Principal and Interest on the 1008 page 25, reflects XXXX and Note reflects XXXX DSCR calc is incorrect - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022<br>| Resolved-Finding Resolved. Client provided an updated 1008 with correct P&I. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | CT | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101436 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | XXXX | Ready for Review-Document Uploaded. - Seller-11/17/2022<br>| Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-11/17/2022 <br>Resolved-Finding Resolved. Client provided 7/2022 statements for both accounts. - Due Diligence Vendor-11/17/2022<br>| XXXX |  |  | UT | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101436 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | XXXX | Ready for Review-Document Uploaded. - Seller-11/17/2022<br>| Resolved-Finding Resolved. Client provided revised LE, COC and rate lock. - Due Diligence Vendor-11/17/2022<br>| XXXX |  |  | UT | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101436 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Finding Resolved. Client provided a revised LE, COC and rate lock. - Due Diligence Vendor-11/17/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/17/2022 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Duplicate Finding<br> - Due Diligence Vendor-11/08/2022 |  | Resolved-Finding Resolved. Client provided a revised LE, COC and rate lock. - Due Diligence Vendor-11/17/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/17/2022 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Duplicate Finding<br> - Due Diligence Vendor-11/08/2022<br>|  |  |  | UT | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101436 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Finding Resolved. Client provided a revised LE, COC and rate lock. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. - Seller-11/17/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/17/2022<br>| Resolved-Finding Resolved. Client provided a revised LE, COC and rate lock. - Due Diligence Vendor-11/17/2022<br>| XXXX |  |  | UT | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101436 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. - Seller-11/17/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXXZ see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). File does not contain the Change of Circumstance for the increase to the points added to the Inital CD dated 10/20/22 on page 86. Additionally the Desk Review Fee of XXXX added to the Revised CD dated XXXX-1 page 81 and the Final CD dated XXXX-2 page 91 does not containa a COC. QC confirmed via Tracking Docs on page 434-469, a re-lock was not sent to the Borrower. File contains only the Initial Lock dated XXXX on page 615, reflecting less points than the FInal CD. - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. - Seller-11/17/2022<br>|  | XXXX |  |  | UT | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101436 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required Client provided CDA. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. - Seller-11/14/2022 <br>Open-Secondary Appraisal Value is not provided. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/14/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required Client provided CDA. Finding resolved. - Due Diligence Vendor-11/15/2022<br>| XXXX |  |  | UT | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101436 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Client provided XXXX. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. - Seller-11/14/2022 <br>Open-Third Party Fraud Report Partially Provided Fraud report is partially provided as all the pages are provided. - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/14/2022<br>| Resolved-Client provided XXXX. Finding resolved. - Due Diligence Vendor-11/15/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/15/2022<br>| XXXX |  |  | UT | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101487 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. - Seller-01/11/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023<br>| Resolved-Finding Resolved. Client provided the corrected 1008 on 1/5/23. DSCR calculated at the fully amortized PITIA at 1.04% prudently. LMAC calculates at the Initial ARM rate, reflects 1.17%. - Due Diligence Vendor-01/11/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101487 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/28/2022 <br>Resolved-Finding Resolved. Client provided the Business Purpose Affidavit - Due Diligence Vendor-12/28/2022 <br>Ready for Review-Document Uploaded. - Seller-12/28/2022 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The Business purporse Affidavit on page 199 is from the Initial Disclosure package, it is E-Signed and not notarized. - Due Diligence Vendor-12/27/2022 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The Business purporse Affidavit on page 199 is from the Initial Disclosure package, it is E-Signed and not notarized. <br> - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/28/2022<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/28/2022 <br>Resolved-Finding Resolved. Client provided the Business Purpose Affidavit - Due Diligence Vendor-12/28/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101487 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/28/2022 <br>Resolved-Finding Resolved. Client provided the XXXX - Due Diligence Vendor-12/28/2022 <br>Ready for Review-Document Uploaded. - Seller-12/28/2022 <br>Open-Third Party Fraud Report Partially Provided Missing Third Party Fraud Report The file does not have the XXXX. OFAC for Borrower within credit report and and LPA only on page 293.<br> - Due Diligence Vendor-12/27/2022 <br>Open-Third Party Fraud Report Partially Provided Missing Third Party Fraud Report The file does not have the XXXX. OFAC for Borrower within credit report and and LPA only on page 293. - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. - Seller-12/28/2022<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/28/2022 <br>Resolved-Finding Resolved. Client provided the XXXX - Due Diligence Vendor-12/28/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101487 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan Eligibility | XXXX |  | Waived-Loan Approval Exception on page 299: Borrower does not own a home. He sold his primary residence July 15th (owned free and clear). He sold a commercial building 08/13/2022. Borrower only has 2 active tradelines. He paid off a car 03/2022 (on credit). Borrower is a trucker and now lives in Batavia (rents). His family lives in Batavia (three sisters). - Due Diligence Vendor-12/22/2022<br>|  |  | Compensating Factors (indicate all that apply):<br> 1.Credit Score above minimum by 20 points or greater - FICO 779<br> 2.PITIA reserves above minimum by 6 months or greater - XXXX post closing assets, 160 months. <br> Borrower is purchasing this home as a 1031 exchange. He is using the proceeds of the sale of his commercial property. He is not allowed to use any portion of the funds for a personal residence. He currently rents an appartment and he is a long haul trucker and is on the road 5 or more days a week. He has an additional $80,000 in stock not counted in reserves above. 46% LTV | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101450 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Finding is resolved. 1008 with DSCR calculation of XXXX / PITI XXXX = 1.54% provided by the client. - Due Diligence Vendor-12/09/2022 <br>Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Counter-Finding Countered. Client uploaded same 1008 that appears in file which is deficient due to missing Property Tax amount of XXXX in proposed payment calculation which caused an incorrect DSCR calculation. Please provide New 1008 reflecting the changes reflected in the initial finding. XXXX<br> XXXX actual rent/ XXXX - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2022 <br>Open-Please provide1008 with updated DSCR calculation to match <br> DSCR: XXXX <br> XXXX actual rent<br> XXXX - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2022<br>| Resolved-Finding is resolved. 1008 with DSCR calculation of $1,850 / PITI $1204.02 = 1.54% provided by the client. - Due Diligence Vendor-12/09/2022<br>| XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101450 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Finding Resolvved. Client provided the Personal Guaranty executed by the Borrower. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Counter-Please provide Borrower executed "Individual As/For Business Personal Guaranty Agreement" to cover loan if business goes into default on subject loan. - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Open-Personal Guarantee is missing from file. Please provide. - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-Finding Resolvved. Client provided the Personal Guaranty executed by the Borrower. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101450 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Finding resolved. Client provided AVM. - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Open-Second Appraisal/ Valuation is Missing Second Valuation missing from file. CU provided no score. Please provide. - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-Finding resolved. Client provided AVM. - Due Diligence Vendor-11/16/2022<br>| XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101439 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Finding resolved. Client provided updated 1008. - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Open-DTI per 1008 does not match calculated DTI. 1008 reflects Property Taxes as XXXX However, Tax Search (page 1004) reflects Total Taxes as XXXX or XXXX per month. Please provide updated 1008 to include corrected DTI calculations. - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Finding resolved. Client provided updated 1008. - Due Diligence Vendor-11/22/2022<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101439 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/22/2022 <br>Resolved-Finding resolved. Client provided fraud report clearing all participants through scans. - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/22/2022 <br>Resolved-Finding resolved. Client provided fraud report clearing all participants through scans. - Due Diligence Vendor-11/22/2022<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101439 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Finding resolved. Client provided executed and dated 1003. - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Open-Initial Originator Signature and Date missing in initial 1003 - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Finding resolved. Client provided executed and dated 1003. - Due Diligence Vendor-11/22/2022<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101457 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | XXXX | XXXX | Resolved-Finding is resolved. Business purpose affidavit provided by the client. - Due Diligence Vendor-12/05/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/05/2022 <br>Rescinded-Business Purpose Occupancy Affidavit is not needed for a DSCR loan. The finding is rescinded. - Due Diligence Vendor-11/21/2022<br>| XXXX |  |  | OH | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101461 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Finding Resolved. Client proivded an updated URAR and date of last property transafer. - Due Diligence Vendor-12/19/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Open-Appraisal page 49 does not reflect the latest sale of the subject. Title page 524 reflects seller acquired propXXXX2 however, appraisal reflects last sale date of XXXX. Please provide New & updated appraisal page 2 of 6 reflecting this latest information. - Due Diligence Vendor-12/12/2022 <br>Open-Appraisal page 49 does not reflect the latest sale of the subject. Title page 524 reflects seller acquired propertyXXXXowever, appraisal reflects last sale date of XXXX<br> Please provide New & updated appraisal page 2 of 6 reflecting this latest information. - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. - Seller-12/16/2022<br>| Resolved-Finding Resolved. Client proivded an updated URAR and date of last property transafer. - Due Diligence Vendor-12/19/2022<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101461 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Deficient self-employment income documentation. | XXXX | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding is resolved. Document provided EIN Number. - Due Diligence Vendor-12/14/2022<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101461 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved. Business Purpose Affidavit has been provided by the client. - Due Diligence Vendor-12/14/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/14/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Counter-Finding Countered. Client provided the Borrower's Ability to Repay, the Business Purpose Affidavit for the DSCR loan is required. - Due Diligence Vendor-12/12/2022 <br>Counter-Finding Countered. Client provided the Borower's Ability To Repay, the Business Purpose Affidavit for the DSCR loan is required. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. - Seller-XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Finding is resolved. Business Purpose Affidavit has been provided by the client. - Due Diligence Vendor-12/14/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/14/2022<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101461 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-The finding is resolved. Personal Guarantor provided by the client. - Due Diligence Vendor-12/09/2022 <br>Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Open-The file closed in an LLC, missing the Personal Guarantor signed at closing. - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. - Seller-12/09/2022<br>| Resolved-The finding is resolved. Personal Guarantor provided by the client. - Due Diligence Vendor-12/09/2022<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101482 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Credit | Corp./Partnership: Evidence of Officers/Directors/Owners Names and Ownership Percent Document is missing | Waived-Fully executed Loan Approval Exception form is uploaded to the bulletin board. - Due Diligence Vendor-12/27/2022 <br>Waived-Finding is waived, the client provided an exception. - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Open- Lender Exception Approval Form Missing from file. Email on page 478: B1 has 49% ownership and B2 has 51% ownership in the business. B1 & B2 are married Underwriter is requesting an exception approval to use income for B1 since they do not meet the guideline of 50% owner. (Finding to be Waived Upon Receipt of the Approved/Completed Exception Form.) - Due Diligence Vendor-12/12/2022 <br>Open-Lender Exception Approval Form Missing from file. Email on page 478: B1 has 49% ownership and B2 has 51% ownership in the business. B1 & B2 are married Underwriter is requesting an exception approval to use income for B1 since they do not meet the guideline of 50% owner. (Finding to be Waived Upon Receipt of the Approved/Completed Exception Form.) - Due Diligence Vendor-12/05/2022 | Ready for Review-Document Uploaded. - Seller-12/15/2022<br>| Waived-Fully executed Loan Approval Exception form is uploaded to the bulletin board. - Due Diligence Vendor-12/27/2022 <br>Waived-Finding is waived, the client provided an exception. - Due Diligence Vendor-12/15/2022<br>| XXXX |  | Time on Job of 5 years or greater. Business owned for 2 + years, 5+ years experience. <br> DTI below max by 5% or greater: Ratio is 36.66%, Guideline 50%. <br> 0X30X24 month housing history. 82 months reviewed, no lates. | KY | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101482 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Fully executed Loan Approval Exception form is uploaded to the bulletin board. - Due Diligence Vendor-12/27/2022 <br>Waived-Finding is waived, the client provided an exception. - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Open-Please provide Lender Approval Exception Form. - Due Diligence Vendor-12/12/2022 <br>Open-\*\*This is the 2nd Exception for the file.<br> Lender Exception Approval Form Missing from file. Email on page 478: Cannot use income for B2 since no income was disclosed on initial 1003 but instead was disclosed under B1 income on initial 1003. Need Exception to use B2 income. B1 and B2 total 100% ownership of the business. (Finding to be Waived Upon Receipt of the Approved/Completed Exception Form.) - Due Diligence Vendor-12/05/2022 <br>Open- Income and Employment Do Not Meet Guidelines Loan exception page no: 478. Provide loan exception form for the file with approval. we have a mail format. Exception Requested: B1 has 49% ownership and B2 has 51% ownership in the business. B1 and B2 are married. UW is requesting an exception approval to use income for B1 since they do not meet the guideline of being 50% owner. 2ND REQUEST: Cannot use income for B2 since no income was disclosed not disclosed on initial 1003 but instead was disclosed under B1 income on initial 1003. Need exception to use B2 income. B1 and B2 total 100% ownership of the business. - Due Diligence Vendor-12/05/2022 <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-12/02/2022 <br>Open-Income and Employment Do Not Meet Guidelines Loan exception page no: 478. Provide loan exception form for the file with approval. we have a mail format. <br>Exception Requested: B1 has 49% ownership and B2 has 51% ownership in the business. B1 and B2<br> are married. UW is requesting an exception approval to use income for B1 since they do not meet the<br> guideline of being 50% owner. 2ND REQUEST: Cannot use income for B2 since no income was<br> disclosed not disclosed on initial 1003 but instead was disclosed under B1 income on initial<br> 1003. Need exception to use B2 income. B1 and B2 total 100% ownership of the business. - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. - Seller-12/15/2022<br>| Waived-Fully executed Loan Approval Exception form is uploaded to the bulletin board. - Due Diligence Vendor-12/27/2022 <br>Waived-Finding is waived, the client provided an exception. - Due Diligence Vendor-12/15/2022 <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-12/02/2022<br>| XXXX |  | Time on Job of 5 years or greater. Business owned for 2 + years, 5+ years experience. <br> DTI below max by 5% or greater: Ratio is 36.66%, Guideline 50%. <br> 0X30X24 month housing history. 82 months reviewed, no lates. | KY | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101482 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Fully executed Loan Approval Exception form is uploaded to the bulletin board. - Due Diligence Vendor-12/27/2022 <br>Waived-Finding is waived, the client provided an exception. - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Counter- Business Narrative found on Bank Statement Calculator. Please acknowledge that Borrower's Business Narrative Statement requirement (per page 31 of the G/L's) . TPR requests Client acknowledges the Missing Business Narrative completed by the Borrower - Due Diligence Vendor-12/12/2022 <br>Counter-Business Narrative found on Bank Statement Calculator. Please acknowledge that Borrower's Business Narrative Statement requirement (per page 31 of the G/L's) . TPR requests Client acknowledges the Missing Business Narrative completed by the Borrower. - Due Diligence Vendor-12/05/2022 <br>Counter-Narrative found on Bank Statement Calculator. Please acknowledge that Borrower's Business Narrative Statement per page 31 of the G/L's, it's missing in file. - Due Diligence Vendor-12/05/2022 <br>Resolved-Finding is resolved. Income calculations worksheet provided by the client.<br> - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Guidelines required page no: 31 reflecting we need business narrative details of the business <br> o Description of business / business profile<br> o Number of employees<br> o Location(s) and rent, if applicable<br> o Estimated cost of goods sold, if applicable<br> o Equipment/materials/trucks<br> o Commercial or retail client base - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Waived-Fully executed Loan Approval Exception form is uploaded to the bulletin board. - Due Diligence Vendor-12/27/2022 <br>Waived-Finding is waived, the client provided an exception. - Due Diligence Vendor-12/15/2022 <br>Resolved-Finding is resolved. Income calculations worksheet provided by the client.<br> - Due Diligence Vendor-12/02/2022<br>| XXXX |  | Time on Job of 5 years or greater. Business owned for 2 + years, 5+ years experience. <br> DTI below max by 5% or greater: Ratio is 36.66%, Guideline 50%. <br> 0X30X24 month housing history. 82 months reviewed, no lates. | KY | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101482 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing QM/ATR Checklist | Resolved-Finding is resolved. Underwriter ATR Attestation provided by the client. - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Provide Underwriter ATR Attestation. Document is missing in the file - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Finding is resolved. Underwriter ATR Attestation provided by the client. - Due Diligence Vendor-12/02/2022<br>| XXXX |  |  | KY | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101430 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Waived-Asset Record 3 Does Not Meet G/L Requirements Subject Transaction LTV is 75%. Gifts funds are permitted on only purchase transactions with LTV <= 70% as per guidelines. UW Exception page 368.<br>Guideline Exception Description:<br> Use of gift funds under 30% LTV. Funds coming from borrower Spouse, who is not part owner of LLC taking title. - Due Diligence Vendor-11/10/2022 |  | Waived-Asset Record 3 Does Not Meet G/L Requirements Subject Transaction LTV is 75%. Gifts funds are permitted on only purchase transactions with LTV <= 70% as per guidelines. UW Exception page 368.<br>Guideline Exception Description:<br> Use of gift funds under 30% LTV. Funds coming from borrower Spouse, who is not part owner of LLC taking title. - Due Diligence Vendor-11/10/2022<br>|  |  | High credit score, <br> funds are from his household but he is the only guarantor on the financing, PITIA reserves above minimum by 6 months or greater: 18.6 months $177K, <br> 0X30X24 month housing history<br> Credit Score above minimum by 20 points or greater FICO 763, G/L 700. | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101430 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Finding Resolved. Client provided the Personal Guaranty executed by the Borrower. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Open-Borrower Guaranty Agreement missing from file. Please provide - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022<br>| Resolved-Finding Resolved. Client provided the Personal Guaranty executed by the Borrower. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101453 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338 - Due Diligence Vendor-12/29/2022 <br>Waived-Audited CLTV of 80% exceeds Guideline CLTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338 - Due Diligence Vendor-11/10/2022 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338 - Due Diligence Vendor-12/29/2022 <br>Waived-Audited CLTV of 80% exceeds Guideline CLTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338 - Due Diligence Vendor-11/10/2022<br>|  |  | Borrower has excellent credit (FICO 771)<br> Reserves are present (16 months) <br> Seasoned investor; additional rental comps reflect higher rent than value being used for DSCR Calculation. | IN | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101453 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338 - Due Diligence Vendor-12/29/2022 <br>Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338 - Due Diligence Vendor-11/10/2022 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338 - Due Diligence Vendor-12/29/2022 <br>Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338 - Due Diligence Vendor-11/10/2022<br>|  |  | Borrower has excellent credit (FICO 771)<br> Reserves are present (16 months) <br> Seasoned investor; additional rental comps reflect higher rent than value being used for DSCR Calculation. | IN | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101453 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338<br> - Due Diligence Vendor-12/29/2022 <br>Waived-Audited LTV of 80% exceeds Guideline LTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338 - Due Diligence Vendor-11/10/2022 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338<br> - Due Diligence Vendor-12/29/2022 <br>Waived-Audited LTV of 80% exceeds Guideline LTV of 70% LTV of 80% exceed Guideline LTV Max of 70% for DSCR < 1. UW Exception on page 338 - Due Diligence Vendor-11/10/2022<br>|  |  | Borrower has excellent credit (FICO 771)<br> Reserves are present (16 months) <br> Seasoned investor; additional rental comps reflect higher rent than value being used for DSCR Calculation. | IN | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101453 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved. Business Purpose Affidavit has been uploaded by the client. - Due Diligence Vendor-12/06/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Counter-Loan Type is DSCR. Business Purpose Affidavit is required per Section 361: Investor Cash Flow Guidelines. Business Purpose Affidavit is missing from file. Please provide.<br> - Due Diligence Vendor-11/15/2022 <br>Counter- - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Loan Type is DSCR. Business Purpose Affidavit is required per Section 361: Investor Cash Flow Guidelines. Business Purpose Affidavit is missing from file. Please provide. - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Please have management review and confirm that the Business Purpose Affidavit is required. - Seller-11/10/2022 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit is Missing from file - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Ready for Review-Please have management review and confirm that the Business Purpose Affidavit is required. - Seller-11/10/2022<br>| Resolved-Finding is resolved. Business Purpose Affidavit has been uploaded by the client. - Due Diligence Vendor-12/06/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/06/2022<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101453 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Finding is resolved. Client provided 1008 with correct DSCR calculation : XXXX / XXXX = XXXX - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Client provided DSCR Calculation, per 1008 page 21, of 0.833 which does not match Audited DSCR of 0.88. Client utilized 95% rent factor instead of 100% rent factor. Please provide updated DSCR utilizing 100% rent Factor. XXXX / XXXX = .88 or Client approval for 95% Rent Factor. - Due Diligence Vendor-11/15/2022 <br>Open-Client provided DSCR Calculation, per 1008 page 21, is 0.833 which does not match Audited DSCR of 0.88. Client utilized 95% rent factor instead of 1000% rent factor. Please provide updated DSCR utilizing 100% rent Factor. XXXX / XXXX = .88 - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Finding is resolved. Client provided 1008 with correct DSCR calculation : $875 / 997.09 = .88 - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101453 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved, XXXX uploaded by the client. - Due Diligence Vendor-12/05/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Third Party Fraud Report Partially Provided Third Party Fraud Report all the pages are not provided. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Finding is resolved, XXXX uploaded by the client. - Due Diligence Vendor-12/05/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101453 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-12/05/2022 <br>Resolved-Finding is resolved. Legal description provided by the client. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Exhibit A, page 26, referenced on the Mortgage is blank and does not include legal description. Please provide. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-12/05/2022 <br>Resolved-Finding is resolved. Legal description provided by the client. - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101531 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/17/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023 <br>Ready for Review-Document Uploaded. - Seller-02/17/2023 <br>Counter-Client contact for resolution. - Due Diligence Vendor-02/10/2023 <br>Counter-Client contact via email update on aged findings. - Due Diligence Vendor-01/27/2023 <br>Counter-Client contact for resolution via email. Finding Countered. Client provided 3 pages f the XXXX, please provide the entire report - Due Diligence Vendor-01/24/2023 <br>Counter-Finding Countered. Client provided 3 pages f the XXXX, please provide the entire report - Due Diligence Vendor-01/17/2023 <br>Counter-Client Contact for Resolution 1/5/23. 1/9/23 - Due Diligence Vendor-01/09/2023 <br>Counter-Finding Countered. Client provided 3 pages of the XXXX, please provide the entire report. Client contact for resolution via email. - Due Diligence Vendor-01/04/2023 <br>Counter-Client contact for resolution via email.<br> - Due Diligence Vendor-12/22/2022 <br>Counter-Finding Countered. Client provided 3 pages f the XXXX, please provide the entire report - Due Diligence Vendor-12/21/2022 <br>Counter- Finding Countered. Client provided 3 pages f the XXXX, please provide the entire report - Due Diligence Vendor-12/12/2022 <br>Counter-Finding Countered. Client provided 3 pages f the XXXX, please provide the entire report - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/17/2022 <br>Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023 <br>Ready for Review-Document Uploaded. - Seller-02/17/2023 <br>Ready for Review-Document Uploaded. - Seller-11/17/2022<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/17/2023<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101531 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding is resolved, personal guarantor provided by the client. - Due Diligence Vendor-02/08/2023 <br> Ready for Review-Document Uploaded. - Seller-02/08/2023 <br> Counter-Client contact via email update on aged findings. - Due Diligence Vendor-01/27/2023 <br> Counter-Finding Countered. The Client provided the ATR Cert, the transaction closed in an LLC, the Recourse Doc is needed. - Due Diligence Vendor-01/24/2023 <br> Counter-Finding Countered. The Client provided the ATR Cert, the transaction closed in an LLC, the Recourse Doc is needed. - Due Diligence Vendor-01/17/2023 <br> Counter-Client Contact for Resolution 1/5/23. 1/9/23 - Due Diligence Vendor-01/09/2023 <br> Counter-Finding Countered. The Client provided the ATR Cert, the transaction closed in an LLC, the Recourse Doc is needed. Client contact for resolution via email. - Due Diligence Vendor-01/04/2023 <br> Counter-Client contact for resolution via email. Finding Countered. The Client provided the ATR Cert, the transaction closed in an LLC, the Recourse Doc is needed. - Due Diligence Vendor-12/27/2022 <br> Counter-Client contact for resolution via email. - Due Diligence Vendor-12/22/2022 <br> Counter-Finding Countered. The Client provided the ATR Cert, the transaction closed in an LLC, the Recourse Doc is needed. - Due Diligence Vendor-12/21/2022 <br> Counter-Finding Countered. The Client provided the ATR Cert, the transaction closed in an LLC, the Recourse Doc is needed. - Due Diligence Vendor-12/12/2022 <br> Counter-Finding Countered. The Client provided the ATR Cert, the transaction closed in an LLC, the Recourse Doc is needed. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. - Seller-11/17/2022 <br> Open-The file closed in an LLC, missing the Personal Guaranty<br> - Due Diligence Vendor-11/14/2022 | Ready for Review-Document Uploaded. - Seller-02/08/2023 <br>Ready for Review-Document Uploaded. - Seller-11/17/2022<br>| Resolved-Finding is resolved, personal guarantor provided by the client. - Due Diligence Vendor-02/08/2023<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101445 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; Missing changed circumstance documentation. | Resolved-Finding Resolved. Client provided the COC . - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Open-Please provide all Change of Circumstance for HPML testing. - Due Diligence Vendor-11/30/2022 <br>Open-Please provide all Change of Circumstance. - Due Diligence Vendor-11/22/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022<br>| Resolved-Finding Resolved. Client provided the COC . - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101445 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Client provided Rate Lock for 10/6/2022 - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Counter-Finding countered. Client provided duplicate document of page 419, a signed/dated Float. Please provide the doc that was for the actual rate lock. - Due Diligence Vendor-11/18/2022 <br>Ready for Review-Document Uploaded. - Seller-11/18/2022 <br>Open-The file does not have signed/dated copy of the rate lock, primary purchase transaction and borrowers paid discount points. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Ready for Review-Document Uploaded. - Seller-11/18/2022<br>| Resolved-Client provided Rate Lock for 10/6/2022 - Due Diligence Vendor-11/22/2022<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101445 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Please provide COC for the increase to the discount points on 10/13/22. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>|  | XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101445 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>|  | XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101445 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The Initial CD dated XXXX on page 169 reflects the Discount Points as 1.5% XXXX file does not contain a Change of Circumstance for the increase. (Loan amount increased) LE dated XXXX on page 356 reflects XXXX - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>|  | XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101429 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Doc Issue | USA Patriot Act Disclosure-Borrower Identification is Missing | Resolved-Finding is resolved. Spouse ID uploaded by the client. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-the Deed of Trust/Mortgage was signed by the Borrower's spouse, file does not contain photo ID for the spouse. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Finding is resolved. Spouse ID uploaded by the client. - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | OH | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101429 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Finding is resolved. LDP uploaded by the client. - Due Diligence Vendor-12/05/2022 <br>Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-All Interested Parties Not Checked with Exclusionary Lists The file does not contain the LPA list. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Finding is resolved. LDP uploaded by the client. - Due Diligence Vendor-12/05/2022 <br>Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | OH | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101429 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Finding is resolved. XXXX uploaded by the client. - Due Diligence Vendor-12/05/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Finding is resolved. XXXX uploaded by the client. - Due Diligence Vendor-12/05/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | OH | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101465 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 Secondary Valuation required due to CU score of 4.4. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/22/2022<br>| XXXX |  |  | WI | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101465 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Client provided XXXX. Finding resolved. - Due Diligence Vendor-11/22/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-Third Party Fraud Report Partially Provided Please provide Complete Fraud Report. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Client provided XXXX. Finding resolved. - Due Diligence Vendor-11/22/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/22/2022<br>| XXXX |  |  | WI | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101321 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Final XXXX statement received and updated to review, resolved. - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. - Seller-11/15/2022 <br>Open-Need a Certified True Copy of final HUD stamped final. - Due Diligence Vendor-11/14/2022 | Ready for Review-Document Uploaded. - Seller-11/15/2022<br>| Resolved-Final XXXX statement received and updated to review, resolved. - Due Diligence Vendor-11/16/2022<br>| FSS.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101442 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/05/2022 <br>Resolved-Finding Resolved. Client provided CDA. - Due Diligence Vendor-11/23/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 Please provide AVM. - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/05/2022 <br>Resolved-Finding Resolved. Client provided CDA. - Due Diligence Vendor-11/23/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101442 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | XXXX | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Finding resolved. Client provided updated 1008. - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101442 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | XXXX | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-12/05/2022 <br>Resolved-Finding resolved. Client provided corrections. - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101468 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Finding Resolved. Client provided the ClearCapital Desk Review. - Due Diligence Vendor-11/30/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022<br>| Resolved-Finding Resolved. Client provided the ClearCapital Desk Review. - Due Diligence Vendor-11/30/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101468 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Finding Resolved. Client provided the 1008. - Due Diligence Vendor-11/30/2022 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022<br>| Resolved-Finding Resolved. Client provided the 1008. - Due Diligence Vendor-11/30/2022 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101477 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-The finding is resolved, Underwriter Attestation was provided by the client. - Due Diligence Vendor-12/09/2022 <br>Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Open-The Underwriter Attestation is not in the file. - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/09/2022<br>| Resolved-The finding is resolved, Underwriter Attestation was provided by the client. - Due Diligence Vendor-12/09/2022<br>| XXXX |  |  | ME | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101477 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/23/2022 <br>Resolved-Third Party Fraud Report is provided, finding is resolved. - Due Diligence Vendor-11/23/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/23/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/23/2022 <br>Resolved-Third Party Fraud Report is provided, finding is resolved. - Due Diligence Vendor-11/23/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/23/2022<br>| XXXX |  |  | ME | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101479 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/27/2022 <br>Resolved-Finding resolved. Client provided the XXXX dated XXXX - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Document Uploaded. - Seller-12/27/2022 <br>Open-Missing Third Party Fraud Report The LPA is on page 321, however the XXXX is not in the file. - Due Diligence Vendor-12/27/2022 | Ready for Review-Document Uploaded. - Seller-12/27/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/27/2022 <br>Resolved-Finding resolved. Client provided the XXXX dated 11/1/22 - Due Diligence Vendor-12/27/2022<br>| Fraud Report-Risk Evaluation Report.pdf |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101479 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Finding is resolved. Client provided PCCD and LOX for lender decrease. - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/21/2022 <br>Counter-Finding countered. The document uploaded by the client is CD XXXX which is located in the file. Closing Disclosure XXXX reflects the lender decrease.<br> Please provide COC/LOX for reason of lender credit decrease on Final CD XXXX - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022 <br>Counter-Finding countered.Final CD XXXX does not reflect the Lender Credit of XXXX The document uploaded by the client is CD XXXX which is located in the file. Please provide COC/LOX for reason of lender credit decrease. - Due Diligence Vendor-12/14/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-Lender Credits of XXXX on CD 10/21/2022 and is not on Final CD 11/9/22. Please provide coc/lox for reason lender credit decrease. - Due Diligence Vendor-12/13/2022 <br>Open-Lender Credits of XXXX on CD 10/21/2022 and is not on Final CD 11/9/22. Please provide coc/lox for reason lender credit decrease. - Due Diligence Vendor-12/09/2022 <br>Open-Lender Credits of XXXX on CD 10/21/2022 and is not on Final CD 11/9/22. Please provide coc/lox for reason lender credit decrease. - Due Diligence Vendor-12/02/2022 <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits XXXX Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. - Seller-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding is resolved. Client provided PCCD and LOX for lender decrease. - Due Diligence Vendor-12/21/2022<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101479 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-12/21/2022 |  |  |  |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101479 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-12/09/2022 <br>Rescinded-Addressed in duplicate finding. - Due Diligence Vendor-12/02/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/02/2022 |  | Resolved-Resolved - Due Diligence Vendor-12/09/2022 <br>Rescinded-Addressed in duplicate finding. - Due Diligence Vendor-12/02/2022<br>|  |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101479 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Finding is resolved. COC provided by the client. - Due Diligence Vendor-12/09/2022 <br>Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Open-Please provide COC/LOX for increase of points on Closing disclosure 10/21/2022 in the amount of XXXX - Due Diligence Vendor-12/02/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. - Seller-12/09/2022<br>| Resolved-Finding is resolved. COC provided by the client. - Due Diligence Vendor-12/09/2022<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101479 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/02/2022 <br>Resolved-Finding resolved. Client provided missing CD. - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing file, to run the compliance we required initial Closing Disclosure. - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/02/2022 <br>Resolved-Finding resolved. Client provided missing CD. - Due Diligence Vendor-12/02/2022<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101479 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Finding resolved. Client provided updated 1008. - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Audit ratios of 15.80%/47.22% do not match 1008 p.20 ratios of 13.89%/45.31%, caused by incorrect tax amount of $ XXXX used. Please provide updated 1008 with corrected monthly tax amount to match Final CD and First payment letter tax amount of XXXX - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Finding resolved. Client provided updated 1008. - Due Diligence Vendor-12/02/2022<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101320 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Deficient AUS/Loan Approval | XXXX | Ready for Review-Document Uploaded. Hi Scott, you are correct. UW forgot to update. Please see documents to reflect enough assets for 3 months reserves. - Seller-11/25/2022<br>| Resolved-Corrected 1003, 1008, Loan program and Bank statement received and updated to 1008, 1003, BP and GL and asset screen, resolved. - Due Diligence Vendor-11/28/2022<br>| XXXX |  |  | WA | Investment | Refinance | No Cash Out - Lender Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101320 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-11/22/2022 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-Final HUD-1 Document is Missing Provided Hud1 document is not Certified/Stamped. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-11/22/2022 <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-11/22/2022<br>| XXXX |  |  | WA | Investment | Refinance | No Cash Out - Lender Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101365 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Section 9 signed and dated by LO received and updated to 1003 page, resolved. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. LO meant to sign 11/1/22 - Seller-11/24/2022 <br>Counter-May I please request clarification on the document received. Per review the application date is XXXX however the date on the 1003 received is XXXX - Due Diligence Vendor-11/23/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-Initial 1003 in this file is not signed by Loan Originator. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. LO meant to sign 11/1/22 - Seller-11/24/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Section 9 signed and dated by LO received and updated to 1003 page, resolved. - Due Diligence Vendor-11/28/2022<br>| SIG.pdf<br>LO signature.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101325 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | HUD-1 Closing Statement missing or unsigned | Resolved-Final ALTA Settllement statement received and updated to review, resolved. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/25/2022 <br>Open-Please obtain a Certified True Copy of final HUD stamped final since property is located in a dry funding state. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-11/25/2022<br>| Resolved-Final ALTA Settllement statement received and updated to review, resolved. - Due Diligence Vendor-11/28/2022<br>| FSS.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101470 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Property | Property Condition Rating Does Not Meet Program Requirements | XXXX |  | XXXX |  |  | Compensating Factors:<br> 1. Credit Score above minimum by 20 points or greater (FICO 783)<br> 2. DTI Below max by 5% or greater (42.23%) <br> 3. 0X30X24 month Housing history <br> 4. Increases in residual income by 10% or greater (Residual Income calculated at $15478.52)<br> 5. PITIA reserves above by 6 months greater (27 months) | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101470 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | Mortgage not properly executed | Resolved-Finding resolved. Client provided notarized mortgage. - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Open-Please provide Notary Stamp on DOT. Mortgage p.1122 is notarized however, missing stamp. - Due Diligence Vendor-11/25/2022 | Ready for Review-Document Uploaded. - Seller-12/12/2022<br>| Resolved-Finding resolved. Client provided notarized mortgage. - Due Diligence Vendor-12/12/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101470 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Finding is resolved. CDA uploaded by the client. - Due Diligence Vendor-12/09/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/09/2022 <br>Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-12/09/2022<br>| Resolved-Finding is resolved. CDA uploaded by the client. - Due Diligence Vendor-12/09/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/09/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101470 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing QM/ATR Checklist | Resolved-Finding Resolved. Client provided U/W Attestation. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Open-Missing Underwriters ATR Attestation. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Finding Resolved. Client provided U/W Attestation. - Due Diligence Vendor-12/06/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101470 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | XXXX | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/05/2022 <br>Resolved-Finding resolved. Client provided proof current. - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101470 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Finding resolved. Client provided Guaranty Agreement. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Open-The file is an Investment purchase and closed in a the LLC name, the Personal Guaranty is missing. - Due Diligence Vendor-11/28/2022 <br>Rescinded-Finding rescinded. - Due Diligence Vendor-11/28/2022 | Ready for Review-Document Uploaded. - Seller-11/29/2022<br>| Resolved-Finding resolved. Client provided Guaranty Agreement. - Due Diligence Vendor-11/30/2022 <br>Rescinded-Finding rescinded. - Due Diligence Vendor-11/28/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101363 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022 <br>Open-TRID: Missing Closing Disclosure Need Post Closing Disclosure (PCCD) in the File, the Subject property State is in Dry Fund State, Subject Property State is CA - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-11/23/2022<br>| Resolved-PCCD updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-11/28/2022<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101485 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal photos | XXXX | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding Resolved. Client provided an updated URAR reflecting a comment form the appraiser on page 17 regarding the photo of the rear of subject property. - Due Diligence Vendor-12/13/2022<br>| XXXX |  |  | WY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101485 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | XXXX | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Findinig Resolved. Client provided CDA. - Due Diligence Vendor-12/06/2022<br>| XXXX |  |  | WY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101485 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved. Third party fraud report provided by the client. - Due Diligence Vendor-11/30/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Open-Third Party Fraud Report Partially Provided Missing Third Party Fraud Report The file does not have the XXXX. OFAC for Borrower within credit report and and LPA only on page 211. - Due Diligence Vendor-11/23/2022 | Ready for Review-Document Uploaded. - Seller-11/29/2022<br>| Resolved-Finding is resolved. Third party fraud report provided by the client. - Due Diligence Vendor-11/30/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | WY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101485 |  |  | Seller | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Settlement date is different from note date | XXXX | Ready for Review-The date on the Note is different than the date on the Mortgage because we needed to have the note corrected. - Seller-11/29/2022<br>| Resolved-Per Client " The date on the Note of 10/31/22 is different than the date on the Mortgage 11/14/22 because we needed to have the note corrected. " The lender, L/O, loan amount, borrower name match, this finding is resolved. - Due Diligence Vendor-11/30/2022<br>|  |  |  | WY | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101452 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. Underwriter Response: "DSCR calc and exception in file. Actual DSCR is BETTER than exception requirement." - Seller-12/12/2022<br>| Waived-Use of proposed short-term rent rate. Obtained information from the current seller regarding the cash flow from this property during the 5 months that it was rented. Per the document attached in the email the property generated $58,230.43 in 5 months time. If we use the rent schedule $6,200 permonth for the remaining 7 months in the year that would give us $101,630.43 in rents, which would average out to $8,469.20 monthly, which would give us a DSCR greater than 1.0. Air DNA actually suggests the rental income would be $163k per year. 1007 rents gives .76 but AirDNA rate would allow 1.66 - Due Diligence Vendor-12/29/2022 <br>Resolved-Finding is resolved. Document uploaded by the client. The 1008 does not match the DSCR worksheet or the Exception - Due Diligence Vendor-12/12/2022<br>| XXXX |  | 1. 0x30x24 month housing history; <br> 2. PITIA reserves above minimum by 6 months or greater. Required $47k, post close assets of $477,000.00<br> Excellent repeat clients, with excellent credit and very high reserves. Plus compensating factors mentioned above. I think 5 months rental history averaged with the rent schedule from the appraiser is a very conservative approach after seeing the AirDNA forecast of $163k per year. | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101452 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Finding is resolved. Document uploaded by the client. The 1008 does not match the DSCR worksheet or the Exception - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Underwriting Manager Response: "If the insurance decreased after the loan was CTC a new 1008 shouldn't be required as we qualified on a higher amount." - Seller-12/12/2022 <br>Open-1008 Document is Missing 1008 is present, However, insurance amount is XXXX and does not match payment letter (page 485), Insurance document (page 493) and Final CD (page 240) value of XXXX Please provide the updated 1008 to reflect the same. Thank You. - Due Diligence Vendor-12/01/2022 | Ready for Review-Underwriting Manager Response: "If the insurance decreased after the loan was CTC a new 1008 shouldn't be required as we qualified on a higher amount." - Seller-12/12/2022<br>| Resolved-Finding is resolved. Document uploaded by the client. The 1008 does not match the DSCR worksheet or the Exception - Due Diligence Vendor-12/12/2022<br>|  |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101452 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/06/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/06/2022 <br>Resolved-Finding resolved. Client provided CDA. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 Please provide CDA - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/06/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/06/2022 <br>Resolved-Finding resolved. Client provided CDA. - Due Diligence Vendor-12/06/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101452 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/06/2022 <br>Resolved-Finding resolved. Client provided XXXX. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/06/2022 <br>Resolved-Finding resolved. Client provided XXXX. - Due Diligence Vendor-12/06/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101455 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/19/2022 <br>Ready for Review-Finding Resolved. Client proivded the Business Purpose Affidavit singed at closing. - Due Diligence Vendor-12/19/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Open-Finding is Open, DSCR program, required Business Purposes Affidavit. - Due Diligence Vendor-12/12/2022 <br>Rescinded-Finding is rescinded. Occupancy cert is located on Page 365. - Due Diligence Vendor-12/12/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/12/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/12/2022 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure is 'Missing'. - Due Diligence Vendor-11/23/2022 | Ready for Review-Document Uploaded. - Seller-12/16/2022<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/19/2022 <br>Rescinded-Finding is rescinded. Occupancy cert is located on Page 365. - Due Diligence Vendor-12/12/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/12/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/12/2022<br>| XXXX |  |  | HI | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101467 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Finding Resolved. Client provided the IEADS signed at closing. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/02/2022 <br>Open-Initial Escrow Account Disclosure is not present on the loan. - Due Diligence Vendor-11/25/2022 | Ready for Review-Document Uploaded. - Seller-12/02/2022<br>| Resolved-Finding Resolved. Client provided the IEADS signed at closing. - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101467 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/30/2022 <br>Resolved-Finding Resolved. Client provided XXXX dated 11/3/22. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Open-Missing Third Party Fraud Report XXXX is missing, we have the LPA on page 391. - Due Diligence Vendor-11/25/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/30/2022 <br>Resolved-Finding Resolved. Client provided XXXX dated 11/3/22. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101467 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Finding Resolved. Client provided rate lock. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Open-Required Updated Rate Lock with 1.478% points XXXX HPML Complicance finding to be rescinded, signed/dated rate lock required. - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022<br>| Resolved-Finding Resolved. Client provided rate lock. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101467 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | Resolved-Finding Resolved. Client provided CDA dated 10/17/22. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Open-CDA invoice on page 388 and F-CD reflects the XXXX fee, - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022<br>| Resolved-Finding Resolved. Client provided CDA dated 10/17/22. - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101469 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-UW Exception for borrower with no Primary Mortgage as trade line, page 195. Finding waived. See Compensating Factors.<br> - Due Diligence Vendor-12/29/2022 <br>Waived-UW Exception for borrower with no Primary Mortgage as trade line, page 195. Finding waived. See Compensating Factors. - Due Diligence Vendor-12/06/2022 <br>Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-12/06/2022 |  | Waived-UW Exception for borrower with no Primary Mortgage as trade line, page 195. Finding waived. See Compensating Factors.<br> - Due Diligence Vendor-12/29/2022 <br>Waived-UW Exception for borrower with no Primary Mortgage as trade line, page 195. Finding waived. See Compensating Factors. - Due Diligence Vendor-12/06/2022<br>|  |  | 1. Credit score of 748 more than 20 points higher than minimum. <br> 2. Time in line of work/job greater than 5 years. <br> 3. DTI of 16% is below maximum by more than 5%. (Calculated DTI 25.03%) <br> 4. 0X30X24 past mortgage history, 20 years of REO ownership history. <br> 5. Ample reserves of $215,000. 6. REO income of $3600 monthly on free and clear property. <br> 7. Approximate net proceeds from sale of Primary of $310,000 to add to reserves mentioned in #5. | CO | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101469 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | Resolved-Finding Resolved. Client provided CDA. - Due Diligence Vendor-12/08/2022 <br>Ready for Review-Document Uploaded. - Seller-12/07/2022 <br>Open-Invoice on page 320 for XXXX and final CD page 178 indicates borrower was charged XXXX for a CDA, please provide. - Due Diligence Vendor-12/06/2022 | Ready for Review-Document Uploaded. - Seller-12/07/2022<br>| Resolved-Finding Resolved. Client provided CDA. - Due Diligence Vendor-12/08/2022<br>| XXXX |  |  | CO | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101469 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/08/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/30/2022 <br>Resolved-Finding Resolved. Client provided XXXX dated 11/7/22 - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Open-Missing Third Party Fraud Report We need fraud report, which is not present on the file. - Due Diligence Vendor-11/23/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/08/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/30/2022 <br>Resolved-Finding Resolved. Client provided XXXX dated 11/7/22 - Due Diligence Vendor-11/30/2022<br>| XXXX |  |  | CO | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101478 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/08/2022 <br>Resolved-Finding resolved. Client provided XXXX clearing participants through fraud scans. - Due Diligence Vendor-12/08/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Open-Third Party Fraud Report Partially Provided The LPA is on page 442, XXXX is missing. - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/08/2022 <br>Resolved-Finding resolved. Client provided XXXX clearing participants through fraud scans. - Due Diligence Vendor-12/08/2022<br>| XXXX |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101478 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Residual income unknown | XXXX | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Finding resolved. Client provided Residual Income calculation worksheet. - Due Diligence Vendor-12/08/2022<br>| XXXX |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101483 |  |  | Closed | XXXX | XXXX | Resolved | C A | Servicing | Pay History | Pay History Review: Missing Payment History | XXXX | Ready for Review-Document Uploaded. Document Uploaded. - Seller-12/15/2022 <br>Ready for Review-Can you please provide the exact payment histories requested without abbreviations? - Seller-11/29/2022<br>| Resolved-Mortgage Statement has been provided by the client, finding is resolved. - Due Diligence Vendor-12/15/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101503 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section H. Other" Validation Test | Open-This loan failed the TRID "Section H. Other" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker, but this fee or fees should not be retained by the lender or broker. Except for charges for optional credit insurance provided by the creditor, this fee or fees should not be retained by the lender."Section H. Other" should contain an itemization of any other amounts in connection with the transaction that the consumer is likely to pay or has contracted with a person other than the creditor or loan originator to pay at closing and of which the creditor is aware at the time of issuing the Loan Estimate.Per the Official Interpretations to Regulation Z: The items listed under the heading of "Other Costs" pursuant to §1026.37(g) include services that are ancillary to the creditor's decision to evaluate the collateral and the consumer for the loan. The amounts disclosed for these items are: Established by government action; determined by standard calculations applied to ongoing fixed costs; or based on an obligation incurred by the consumer independently of any requirement imposed by the creditor. Except for prepaid interest under §1026.37(g)(2)(iii), or charges for optional credit insurance provided by the creditor, the creditor does not retain any of the amounts or portions of the amounts disclosed as other costs. - Due Diligence Vendor-12/27/2022 |  |  |  |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101503 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Ready for Review-Document Uploaded. Closing is advising that final CD is matching the system. - Seller-12/27/2022 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXXX The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $100.<br> - Due Diligence Vendor-12/27/2022 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXXX The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. Closing is advising that final CD is matching the system. - Seller-12/27/2022<br>|  | XXXX |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101503 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Rent Free LOX provided by the client. Finding is resolved. - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-The Letter of Explanation on page 514 for Rent Free Living is not applicable as it is signed by the Borrower. The Guidelines on page 8 of 52 reflect: Letter of explanation to be executed by such relative that there is no monthly obligation. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Rent Free LOX provided by the client. Finding is resolved. - Due Diligence Vendor-12/22/2022<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101503 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Finding is Rescinded. Closing Disclosures provided by the client. - Due Diligence Vendor-12/20/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/20/2022 |  | Resolved-Finding is Rescinded. Closing Disclosures provided by the client. - Due Diligence Vendor-12/20/2022<br>|  |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101503 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Finding is Resolved. Closing Disclosures provided by the client. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-TRID: Missing Closing Disclosure Please provide missing initial closing disclosure. - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Finding is Resolved. Closing Disclosures provided by the client. - Due Diligence Vendor-12/20/2022<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101503 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/20/2022 |  |  |  |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101503 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved. XXXX provided by the client. - Due Diligence Vendor-12/20/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Finding is resolved. XXXX provided by the client. - Due Diligence Vendor-12/20/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/20/2022<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101496 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Finding is resolved. 4506-T has been provided by the client. - Due Diligence Vendor-12/12/2022 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Open-Borrower 1 Executed 4506-T Missing The Final 4506 on page 39 was signed by the POA, the form is invalid. TPR will rescind finding if Client acknowledges. - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. - Seller-12/12/2022<br>| Resolved-Finding is resolved. 4506-T has been provided by the client. - Due Diligence Vendor-12/12/2022 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-12/12/2022<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101496 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Resolved-Finding Resolved. Client provided AUS/DU dated 6/7/22, assets match all final loan documents. - Due Diligence Vendor-12/08/2022 <br>Ready for Review-Document Uploaded. - Seller-12/08/2022 <br>Open-The DU report dated 6/1/22 on page 154 reflects the assets in the negative, the report was not updated prior to closing 6/8/22. The file documents enough assets for reserves, finding to be rescinded if Client acknowledges the inacuracy of the AUS. - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. - Seller-12/08/2022<br>| Resolved-Finding Resolved. Client provided AUS/DU dated 6/7/22, assets match all final loan documents. - Due Diligence Vendor-12/08/2022<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101496 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Finding Resolved. Client provided the LE dated 5/13/22. - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Open-Missing Revised LE on dated 05/13/2022 as per COC mentioned on page#205. - Due Diligence Vendor-11/25/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Finding Resolved. Client provided the LE dated 5/13/22. - Due Diligence Vendor-12/07/2022<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101496 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing QM/ATR Checklist | Resolved-Finding is resolved. UW attestation Form provided by the client. - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. - Seller-12/05/2022 <br>Open-UW attestation Form is missing From file. Please Provide. - Due Diligence Vendor-11/25/2022 | Ready for Review-Document Uploaded. - Seller-12/05/2022<br>| Resolved-Finding is resolved. UW attestation Form provided by the client. - Due Diligence Vendor-12/07/2022<br>| UW ATR.pdf |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101496 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Finding is resolved. Client provided Final 1003 with borrower(attorney in fact) executed 6/8/22. - Due Diligence Vendor-12/07/2022 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Open-Borrower's signature date of XXXXexceeds closing date of XXXX. Please provide updated final 1003. - Due Diligence Vendor-11/25/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Finding is resolved. Client provided Final 1003 with borrower(attorney in fact) executed 6/8/22. - Due Diligence Vendor-12/07/2022 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-12/07/2022<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101496 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Finding is resolved. Client provided Residual Income Worksheet. - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. - Seller-12/05/2022 <br>Open-Residual Income Worksheet is missing From file. please Provide. - Due Diligence Vendor-11/25/2022 | Ready for Review-Document Uploaded. - Seller-12/05/2022<br>| Resolved-Finding is resolved. Client provided Residual Income Worksheet. - Due Diligence Vendor-12/07/2022<br>| Residual Income worksheet.pdf |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101498 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Fully executed loan approval exception for the payment shock provided by the client. - Due Diligence Vendor-01/04/2023 <br>Ready for Review-Document Uploaded. - Seller-01/04/2023 <br>Counter-Email to Client for confirmation an incomplete Investor Exception form is acceptable. - Due Diligence Vendor-12/30/2022 <br>Ready for Review-Document Uploaded. - Seller-12/30/2022 <br>Counter-The exception form uploaded is a duplucate of the form on page 452. The form is not completed: Missing the Guideline Exception Description, approval date - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Counter-Please provide a completed Exception form. - Due Diligence Vendor-12/20/2022 <br>Waived-The exception form uploaded is a duplucate of the form on page 452. The form is not completed: Missing the Guideline Exception Description, approval date. - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. - Seller-01/04/2023 <br>Ready for Review-Document Uploaded. - Seller-12/30/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022<br>| Waived-Fully executed loan approval exception for the payment shock provided by the client. - Due Diligence Vendor-01/04/2023 <br>Waived-The exception form uploaded is a duplucate of the form on page 452. The form is not completed: Missing the Guideline Exception Description, approval date. - Due Diligence Vendor-12/20/2022<br>| XXXX |  | DTI below max by 5% or greater DTI max 50%. DTI is 12%. <br> Time on job of 5 years or greater ; 11 years on current job.<br> 0X30X24 month housing history.<br> High credit score - FICO 744, very low ratios with minimal non-mortgage debt. | TX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101498 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Finding is resolved. CU Score is 2.1, no secondary value is needed. - Due Diligence Vendor-12/13/2022 <br>Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. Secondary Value or Additional review product missing, please provide. - Due Diligence Vendor-12/12/2022 <br>Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. Secondary Value or Additional review product missing, please provide. - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding is resolved. CU Score is 2.1, no secondary value is needed. - Due Diligence Vendor-12/13/2022 <br>Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-12/13/2022<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101498 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Finding is resolved. COC provided by the client. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open- This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Please provide COC/LOX for reason of increase in the amount of XXXX - Due Diligence Vendor-12/12/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Please provide COC/LOX for reason of increase in the amount of XXXX - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding is resolved. COC provided by the client. - Due Diligence Vendor-12/13/2022<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101498 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved. XXXX has been uploaded by the client. - Due Diligence Vendor-12/13/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-Third Party Fraud Report Partially Provided Third Party Fraud Report is missing, please provide full XXXX. - Due Diligence Vendor-12/12/2022 <br>Open-Third Party Fraud Report Partially Provided Third Party Fraud Report is missing, please provide full XXXX. - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding is resolved. XXXX has been uploaded by the client. - Due Diligence Vendor-12/13/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/13/2022<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101498 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Rep and Warrant Relief Missing | Resolved-Finding is resolved. Client provided UCDP with Rep and Warrant Relief/Score. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-Please provide UCDP with Rep and Warrant Relief/Score provided. - Due Diligence Vendor-12/12/2022 <br>Open-Please provide UCDP with Rep and Warrant Relief/Score provided. - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding is resolved. Client provided UCDP with Rep and Warrant Relief/Score. - Due Diligence Vendor-12/13/2022<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101318 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Missing underwriting exception form | XXXX | Ready for Review-This is a normal DSCR loan. This is not a Select loan and we will capture our pricing change when loan is delivered into the Capital Markets. We do not do credit exceptions to upgrade a loan to Select, this is a normal DSCR loan. <br> - Seller-01/03/2023<br>| Resolved-The client has confirmed that this is a normal DSCR loan not DSCR select. Resolved. - Due Diligence Vendor-01/03/2023<br>|  |  |  | UT | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101318 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated DCSR calculation received, resolved. - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. - Seller-12/07/2022 <br>Open-There is a difference in DSCR, DSCR calculation sheet and 1008 showing 1.254, But in Loan program information showing 1.219, Please provide the updated DSCR calculation sheet to verify the DSCR. - Due Diligence Vendor-11/28/2022 | Ready for Review-Document Uploaded. - Seller-12/07/2022<br>| Resolved-Updated DCSR calculation received, resolved. - Due Diligence Vendor-12/07/2022<br>| XXXX |  |  | UT | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101367 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Property is located in a dry funding state. Need a certified copy of final HUD stamped final - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101364 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/12/2023 <br>Resolved-PCCD updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-TRID: Missing Closing Disclosure Provide Post CD document, as it is Mandatory to have in LSM Dry Funding State (Subject State is CA) - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/12/2023 <br>Resolved-PCCD updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101504 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-01/04/2023 <br>Resolved-The Note is Present - Due Diligence Vendor-01/04/2023 <br>Resolved-The Note is Present - Due Diligence Vendor-01/04/2023 <br>Resolved-Finding resolved. client provided executed Note. - Due Diligence Vendor-01/04/2023 <br>Ready for Review-Document Uploaded. - Seller-01/04/2023 <br>Open-Please provide executed Note. - Due Diligence Vendor-01/04/2023 <br>Open-The Note is Missing - Due Diligence Vendor-12/23/2022 | Ready for Review-Document Uploaded. - Seller-01/04/2023<br>| Resolved-The Note is Present - Due Diligence Vendor-01/04/2023 <br>Resolved-The Note is Present - Due Diligence Vendor-01/04/2023 <br>Resolved-The Note is Present - Due Diligence Vendor-01/04/2023 <br>Resolved-Finding resolved. client provided executed Note. - Due Diligence Vendor-01/04/2023<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101504 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate Lock provided, finding is resolved. - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Open-Rate Lock document on page #438 is a float, please provide correct rate lock document. - Due Diligence Vendor-12/23/2022 | Ready for Review-Document Uploaded. - Seller-01/03/2023<br>| Resolved-Rate Lock provided, finding is resolved. - Due Diligence Vendor-01/03/2023<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101504 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved, Fraud report provided by the client. - Due Diligence Vendor-12/29/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/29/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/29/2022 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Open-Third Party Fraud Report Partially Provided, LPA on Page #381 - Due Diligence Vendor-12/23/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022<br>| Resolved-Finding is resolved, Fraud report provided by the client. - Due Diligence Vendor-12/29/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/29/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/29/2022<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101451 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | XXXX | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding resolved. Client provided an emial from the HOI agent confirming the Guaranteed Replacement, full replacement cost. - Due Diligence Vendor-12/13/2022 <br>Resolved-Hazard Insurance Coverage Amount of $429420 is equal to or greater than Required Coverage Amount of $462528 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-12/13/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101451 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Fraud Alert not cleared per protocol | Resolved-Finding is resolved. Document provided by the client. - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Open-Credit report reflects Fraud Victim warning and the file does not contain the Lender Certification. - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. - Seller-12/12/2022<br>| Resolved-Finding is resolved. Document provided by the client. - Due Diligence Vendor-12/12/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101451 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Finding is resolved. Personal Guaranty has been provided. - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Open-The file closed in an LLC, the Personal Guaranty is not in the file. - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. - Seller-12/12/2022<br>| Resolved-Finding is resolved. Personal Guaranty has been provided. - Due Diligence Vendor-12/12/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101460 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Final 1003 with section 7 data provided. Finding is resolved. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-Final 1003 section 7 missing data. Client to acknowledge the missing data, TPR will resolve/rescind. - Due Diligence Vendor-12/12/2022 <br>Open-The Final 1003 is Incomplete - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Final 1003 with section 7 data provided. Finding is resolved. - Due Diligence Vendor-12/20/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101444 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. - Seller-12/05/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 CDA or other secondary valuation is missing hence updated the Fannie Mae with score is 4.3 - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/05/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/05/2022<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101456 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved. Third Party Fraud Report provided by the client. - Due Diligence Vendor-12/12/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Open-Third Party Fraud Report Partially Provided Fraud Report Partially Provided in page #283, List of Participants, missing the XXXX. - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. - Seller-12/09/2022<br>| Resolved-Finding is resolved. Third Party Fraud Report provided by the client. - Due Diligence Vendor-12/12/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/12/2022<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101473 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Finding Waived. Loan Approval Exception page 452. VOR came in at XXXX per month, down from submitted of XXXX per payment shock the max PITI cannot exced XXXX Requesting excetpion at XXXX - Due Diligence Vendor-12/12/2022 <br>Waived-Finding Waived. Loan Approval Exception page 452. - Due Diligence Vendor-12/12/2022 |  | Waived-Finding Waived. Loan Approval Exception page 452. VOR came in at $600.00 per month, down from submitted of $1,200.00, per payment shock the max PITI cannot exced $750.00. Requesting excetpion at $1456.22. - Due Diligence Vendor-12/12/2022 <br>Waived-Finding Waived. Loan Approval Exception page 452. - Due Diligence Vendor-12/12/2022<br>|  |  | 1.Credit Score above minimum by 20 points or greater. 749 FICO, 680 for 75% LTV.<br> 2.Time on Job of 5 years or greater. Business Owner 6 years<br> 3. 32% down payment on subject. | IN | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101473 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Finding Waived. Loan Approval Exception page 452. Reserves: Client only has 2 months reserves, not 6. - Due Diligence Vendor-12/12/2022 <br>Waived-Audited Reserves of 3.41 month(s) are less than Guideline Required Reserves of 6 month(s) Finding waived. Client provided underwriter exception to guides using 3 comp factors. - Due Diligence Vendor-12/01/2022 |  | Waived-Finding Waived. Loan Approval Exception page 452. Reserves: Client only has 2 months reserves, not 6. - Due Diligence Vendor-12/12/2022 <br>Waived-Audited Reserves of 3.41 month(s) are less than Guideline Required Reserves of 6 month(s) Finding waived. Client provided underwriter exception to guides using 3 comp factors. - Due Diligence Vendor-12/01/2022<br>|  |  | 1.Credit Score above minimum by 20 points or greater. 749 FICO, 680 for 75% LTV.<br> 2.Time on Job of 5 years or greater. Business Owner 6 years<br> 3. 32% down payment on subject. | IN | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101473 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $362.30.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Tolerance fails due to increase in points of $362.30 from initial LE 11/3/22 to initial CD 11/15/22. Please provide COC and any LE/CD covering increase or a PCCD with tolerance cure, reimbursement check for XXXX and proof of delivery to borrower. - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>|  | XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101454 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding Resolved. Client provided an updated 1008 with DSCR 1.42%. - Due Diligence Vendor-12/13/2022<br>| XXXX |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101454 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Finding Reolved. Client provided updated 1008 reflecting 1.42% DSCR ratio. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-1008 is located on Page 21 of the file, reflecting HOA Dues of XXXX There are no HOA dues on Appraisal. Please provide 1008 with correct DSCR of XXXX Lease / XXXX PITI = 1.42. - Due Diligence Vendor-12/12/2022 <br>Open-1008 is located on Page 21 of the file, reflecting HOA Dues of XXXX There are no HOA dues on Appraisal. Please provide 1008 with correct DSCR of XXXX Lease / XXXX PITI = 1.42. - Due Diligence Vendor-12/06/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding Reolved. Client provided updated 1008 reflecting 1.42% DSCR ratio. - Due Diligence Vendor-12/13/2022<br>| XXXX |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101454 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-Finding Resolved. Client provided updated 1008 with 721 score. Tape data incorrect. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-The credit report dated 10/18/22 on page 170 reflects FICO 721, the Final 1008 pg 21 & Tape Data reflect FICO as 752. - Due Diligence Vendor-12/12/2022 <br>Open-The credit report dated 10/18/22 on page 170 reflects FICO 721, the Final 1008 pg 21 & Tape Data reflect FICO as 752. - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding Resolved. Client provided updated 1008 with 721 score. Tape data incorrect. - Due Diligence Vendor-12/13/2022<br>| XXXX |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101454 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved. XXXX provided by the client. - Due Diligence Vendor-12/12/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Open-Third Party Fraud Report Partially Provided Please provide Third Party Fraud Report. - Due Diligence Vendor-12/06/2022 | Ready for Review-Document Uploaded. - Seller-12/12/2022<br>| Resolved-Finding is resolved. XXXX provided by the client. - Due Diligence Vendor-12/12/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/12/2022<br>| XXXX |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101454 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding is resolved. Guaranty Agreement has been provided by the client. - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Open-Personal guarantor is missing from the file, please provide. - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. - Seller-12/12/2022<br>| Resolved-Finding is resolved. Guaranty Agreement has been provided by the client. - Due Diligence Vendor-12/12/2022<br>| XXXX |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101454 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Finding is resolved. Desk Review provided by the client. - Due Diligence Vendor-12/12/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/12/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 Per UCDP on Page 270&278 the cu score is 3.5. Please provide additional valuation. - Due Diligence Vendor-12/06/2022 | Ready for Review-Document Uploaded. - Seller-12/12/2022<br>| Resolved-Finding is resolved. Desk Review provided by the client. - Due Diligence Vendor-12/12/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/12/2022<br>| XXXX |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101475 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 12 Months | Waived-UW Exception for Self Employed less than 12 months, page 311. Finding waived. See Compensating factors.<br> - Due Diligence Vendor-12/29/2022 <br>Waived-UW Exception for Self Employed less than 12 months, page 311. Finding waived. See Compensating factors. - Due Diligence Vendor-12/02/2022 |  | Waived-UW Exception for Self Employed less than 12 months, page 311. Finding waived. See Compensating factors.<br> - Due Diligence Vendor-12/29/2022 <br>Waived-UW Exception for Self Employed less than 12 months, page 311. Finding waived. See Compensating factors. - Due Diligence Vendor-12/02/2022<br>|  |  | 1. Credit score above minimum by 20 points or more. (FICO 743)<br> 2. DTI below max by 5% or greater. (Calculated DTI 42.58%)<br> 3. PITIA reserves above minimum by 6 months or greater. (63 Months) | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101475 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/12/2022 |  |  |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101475 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Finding is resolved. Documents provided by client. - Due Diligence Vendor-12/12/2022 <br>Resolved-Finding resolved. Client provided initial LE. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. - Seller-12/06/2022 <br>Open-Initial Loan Estimate Document is Missing From File. - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. - Seller-12/06/2022<br>| Resolved-Finding is resolved. Documents provided by client. - Due Diligence Vendor-12/12/2022 <br>Resolved-Finding resolved. Client provided initial LE. - Due Diligence Vendor-12/06/2022<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101474 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Compliance | Compliance | ATR UTD; other monthly expenses. | XXXX |  | Waived-Loan Approval Exception page 377, 689-699: Exclude Mortgage payment for property XXXX, dsepite not have 12 moths evidence paid by c-signor. The property was purchased in February 2022 and all the payments that have been made have been made direct by the daughter and son-in-law who is co-signor on the mortgage. - Due Diligence Vendor-12/15/2022<br>|  |  | Credit Score above minimum by 20 points or greater: FICO 749, Guideline 700. <br> 0X30X24 month housing history<br> PITIA reserves above minimum by 6 months or greater: Post Close Assets: $154,000.00 Required: $33,000.00<br> Hi credit score, reserves beyond minimum requirement | FL | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101474 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/09/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/09/2022 <br>Rescinded-Finding rescinded. See master finding 3634. - Due Diligence Vendor-12/07/2022 |  | Resolved-Resolved - Due Diligence Vendor-12/09/2022 <br>Rescinded-Finding rescinded. See master finding 3634. - Due Diligence Vendor-12/07/2022<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101474 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/09/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/09/2022 <br>Rescinded-Finding rescinded. See master finding 3634. - Due Diligence Vendor-12/07/2022 |  | Resolved-Resolved - Due Diligence Vendor-12/09/2022 <br>Rescinded-Finding rescinded. See master finding 3634. - Due Diligence Vendor-12/07/2022<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101474 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Finding resolved. Client provided COC for changes. - Due Diligence Vendor-12/09/2022 <br>Ready for Review-Document Uploaded. - Seller-12/08/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Tolerance fails due to increase to Discount Points from $0 to XXXX with no COC. Tolerance violation of $665.60. Please Provide COC or PCD reflecting Tolerance cure to the borrower along with a check for $665.60 with proof of delivery. - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. - Seller-12/08/2022<br>| Resolved-Finding resolved. Client provided COC for changes. - Due Diligence Vendor-12/09/2022<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101480 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Finding Resolved. Client provided the COC, rate lock and Revised Loan Estimate. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Open-This loan failed the initial closing disclosure delivery date and changed circumstances date. COC provided for Change for 11/21/22 was dated 11/14/2022. COC needs to be dated within 3 days of the increase. Please provide. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-Rate lock is missing from the file. Please provide COC/LOX for Discount points. - Due Diligence Vendor-12/13/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $6,120.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Rate lock is missing from the file. Please provide COC/LOX for Discount points. - Due Diligence Vendor-12/08/2022 | Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding Resolved. Client provided the COC, rate lock and Revised Loan Estimate. - Due Diligence Vendor-12/20/2022<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101480 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Finding is resolved. Rate lock has been provided. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-Please provide missing rate lock. - Due Diligence Vendor-12/13/2022 <br>Open-Please provide missing rate lock. - Due Diligence Vendor-12/08/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding is resolved. Rate lock has been provided. - Due Diligence Vendor-12/13/2022<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101480 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved. XXXX Provided by the client. - Due Diligence Vendor-12/13/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. - Seller-12/13/2022 <br>Open-Third Party Fraud Report Partially Provided Please provide XXXX. - Due Diligence Vendor-12/13/2022 <br>Open-Third Party Fraud Report Partially Provided Please provide XXXX. - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. - Seller-12/13/2022<br>| Resolved-Finding is resolved. XXXX Provided by the client. - Due Diligence Vendor-12/13/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/13/2022<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101501 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/28/2022 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/28/2022 <br>Ready for Review-Document Uploaded. - Seller-12/28/2022 <br>Open-1008 Document is Missing The 1008 on page 30 does not include the XXXX monthly HOA dues. Please provide an updated 1008. - Due Diligence Vendor-12/27/2022 <br>Open-1008 Document is Missing The 1008 on page 30 does not include the XXXX monthly HOA dues. Please provide an updated 1008. - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/28/2022<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/28/2022 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/28/2022<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101501 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved, XXXX provided by the client. - Due Diligence Vendor-12/23/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Open-Third Party Fraud Report Partially Provided Missing Third Party Fraud Report The file does not have the XXXX. OFAC for Borrower within credit report and and LPA only on page 393. - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/23/2022<br>| Resolved-Finding is resolved, XXXX provided by the client. - Due Diligence Vendor-12/23/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/23/2022<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101501 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Finding is resolved. Guaranty has been provided by the client. - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Open-Guaranty Agreement document is missing from file. - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/23/2022<br>| Resolved-Finding is resolved. Guaranty has been provided by the client. - Due Diligence Vendor-12/23/2022<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101501 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing QM/ATR Checklist | Resolved-Finding is resolved. ATR Attestation has been provided by the client. - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Open-UW Attestation Form & Borrower ATR Attestation form is missing from file. Please Provide. - Due Diligence Vendor-12/16/2022 | Ready for Review-Document Uploaded. - Seller-12/23/2022<br>| Resolved-Finding is resolved. ATR Attestation has been provided by the client. - Due Diligence Vendor-12/23/2022<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101505 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | XXXX | Ready for Review-Document Uploaded. - Seller-01/07/2023<br>| Resolved-Finding Resolved. Client provided 4 additional months of rental payments. - Due Diligence Vendor-01/09/2023<br>| XXXX |  |  | HI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101505 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Missing condo documentation. | XXXX | Ready for Review-Document Uploaded. - Seller-12/21/2022<br>| Resolved-Finding is resolved. Condo questionnaire provided by the client. - Due Diligence Vendor-12/21/2022<br>| XXXX |  |  | HI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101505 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Finding resolved. Client provided an updated 1008. - Due Diligence Vendor-12/19/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022 <br>Open-1008 Document is Missing The 1008 is on page 21, however the loan amount is incorrect: XXXX final Note pg 418 reflects XXXX P&I XXXX please update the FInal 1008 and ratios. TPRaligns with Client on the HOI, MOnthly Tax & HOA dues. - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/19/2022<br>| Resolved-Finding resolved. Client provided an updated 1008. - Due Diligence Vendor-12/19/2022<br>| XXXX |  |  | HI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101505 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Residual income unknown | Resolved-Finding Resolved. Client provided updated Residual Income W/S. - Due Diligence Vendor-12/19/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022 <br>Open-The Residual Income Worksheet on page 370 does not reflect the correct loan amount or Gross Income. Please update the Loan Amount to XXXX - PITIA XXXX Income XXXX monthly and provide updated residual income. - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. - Seller-12/19/2022<br>| Resolved-Finding Resolved. Client provided updated Residual Income W/S. - Due Diligence Vendor-12/19/2022<br>| XXXX |  |  | HI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101458 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Finding is resolved. XXXX has been provided by the client. - Due Diligence Vendor-12/15/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/08/2022 | Ready for Review-Document Uploaded. - Seller-12/14/2022<br>| Resolved-Finding is resolved. XXXX has been provided by the client. - Due Diligence Vendor-12/15/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/15/2022<br>| XXXX |  |  | CO | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101458 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Finding is resolved. Desk Review has been provided by the client. - Due Diligence Vendor-12/15/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-12/08/2022 | Ready for Review-Document Uploaded. - Seller-12/14/2022<br>| Resolved-Finding is resolved. Desk Review has been provided by the client. - Due Diligence Vendor-12/15/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/15/2022<br>| XXXX |  |  | CO | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101458 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved. The Business Purpose Affidavit has been provided by the client. - Due Diligence Vendor-12/15/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. - Seller-12/14/2022 <br>Open-Please create a finding " Business purpose affidavit on page 195-196 is E-Signed prior to close and is not Notarized as required on page 196. Please provide Final Business Purpose Affidavit wet signed by Borrower and notarized at closing. - Due Diligence Vendor-12/12/2022 | Ready for Review-Document Uploaded. - Seller-12/14/2022<br>| Resolved-Finding is resolved. The Business Purpose Affidavit has been provided by the client. - Due Diligence Vendor-12/15/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/15/2022<br>| XXXX |  |  | CO | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101471 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/19/2022 <br>Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-12/19/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Open-Third Party Fraud Report Partially Provided The LPA is on page 1506, XXXX is missing. - Due Diligence Vendor-12/12/2022 | Ready for Review-Document Uploaded. - Seller-12/15/2022<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/19/2022 <br>Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-12/19/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101471 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/19/2022 <br>Resolved-Finding Resolved. Client provided CDA. - Due Diligence Vendor-12/19/2022 <br>Ready for Review-Document Uploaded. - Seller-12/15/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 CDA is not provided - Due Diligence Vendor-12/12/2022 | Ready for Review-Document Uploaded. - Seller-12/15/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/19/2022 <br>Resolved-Finding Resolved. Client provided CDA. - Due Diligence Vendor-12/19/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101471 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible | XXXX |  | XXXX |  |  | Excellent credit: FICO 781 - Guideline 680 -70% LTV. <br> Credit scores - 769, 786. <br> Documented income - $$25,000.00 monthly alimony income. <br> Cash reserves - $1,305,400.00 reserves, post closing. | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101481 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | Property Type does not meet eligibility requirement(s) | Waived-Loan Approval Exception on page 479. We are looking for an exception for excessive commercial space totaling 57.99% of the project, the max commercial space permitted under the program guidelines is 50%.<br> - Due Diligence Vendor-12/29/2022 <br>Waived-Loan Approval Exception on page 479. We are looking for an exception for excessive commerical space totaling 57.99% of the project, the max commerical space permitted under the program guidelines is 50%. - Due Diligence Vendor-12/14/2022 |  | Waived-Loan Approval Exception on page 479. We are looking for an exception for excessive commercial space totaling 57.99% of the project, the max commercial space permitted under the program guidelines is 50%.<br> - Due Diligence Vendor-12/29/2022 <br>Waived-Loan Approval Exception on page 479. We are looking for an exception for excessive commerical space totaling 57.99% of the project, the max commerical space permitted under the program guidelines is 50%. - Due Diligence Vendor-12/14/2022<br>|  |  | Credit score above minimum by 20 points or greater: FICO 755, 75% LTV 700 FICO required. <br> Time on Job of 5 years or greater. 30 years Self Employed. <br> DTI below max by 5% or greater. 31.13%, Guideline 50%. <br> 0X30X24 month housing history.<br> PITIA reserves above minimum by 6 months or greater. Assets total $1,451,312.65 post close, 447 months.  | NC | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101481 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Finding is resolved. Desk review provided by the client. - Due Diligence Vendor-12/21/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/21/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 CDA is Missing - Due Diligence Vendor-12/12/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Finding is resolved. Desk review provided by the client. - Due Diligence Vendor-12/21/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/21/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/21/2022<br>| XXXX |  |  | NC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101481 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/19/2022 <br>Resolved-Finding Resolved. Client provided XXXX. - Due Diligence Vendor-12/19/2022 <br>Ready for Review-Document Uploaded. - Seller-12/16/2022 <br>Open-Third Party Fraud Report Partially Provided The LPA is on page 468, XXXX is missing. - Due Diligence Vendor-12/12/2022 | Ready for Review-Document Uploaded. - Seller-12/16/2022<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/19/2022 <br>Resolved-Finding Resolved. Client provided XXXX. - Due Diligence Vendor-12/19/2022<br>| XXXX |  |  | NC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101489 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Finding Resolvved. DSCR ratio wa rounded up by Client. - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Per the UW, The DSCR is correct and is just a rounding issue … manual calculation is 1.0947 which was rounded to 1.1 - Seller-12/23/2022 <br>Open-The Final 1008 on page 23 reflects the DSCR ratio as 1.1%. TPR reflects 1.09% and matches the PITIA payment of XXXX XXXX / 1278.92 = (1.09)467%. Please provide updated 1008 or confirm the PITIA. - Due Diligence Vendor-12/23/2022 <br>Open-The Final 1008 on page 23 reflects the DSCR ratio as 1.1%. TPR reflects 1.09% and matches the PITIA payment of XXXX XXXX / 1278.92 = (1.09)467%. Please proivde updated 1008 or confirm the PITIA. - Due Diligence Vendor-12/19/2022 | Ready for Review-Per the UW, The DSCR is correct and is just a rounding issue … manual calculation is 1.0947 which was rounded to 1.1 - Seller-12/23/2022<br>| Resolved-Finding Resolvved. DSCR ratio wa rounded up by Client. - Due Diligence Vendor-12/27/2022<br>|  |  |  | MI | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101489 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Finding is resolved, Desk review provided by the client. - Due Diligence Vendor-12/21/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 Per UCDP on Page 154,162, CU Score is 3.5. Please provide secondary valuation. - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Finding is resolved, Desk review provided by the client. - Due Diligence Vendor-12/21/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/21/2022<br>| XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101489 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved, Third Party Fraud Report <br> provided by the client. - Due Diligence Vendor-12/21/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-Third Party Fraud Report Partially Provided Please provide the missing XXXX. - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Finding is resolved, Third Party Fraud Report <br> provided by the client. - Due Diligence Vendor-12/21/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/21/2022<br>| XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101489 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved, BPA provided by the client. - Due Diligence Vendor-12/21/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open- - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Finding is resolved, BPA provided by the client. - Due Diligence Vendor-12/21/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/21/2022<br>| XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101463 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Rep and Warrant Relief Missing | Resolved-Finding is resolved, UCDP provided by the client. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-The Freddie Reps and Warrants is missing, The Fannie UCDP is on page 249. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Finding is resolved, UCDP provided by the client. - Due Diligence Vendor-12/20/2022<br>| XXXX |  |  | MA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101463 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | Resolved-Finding is resolved. Desk review provided by the client. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-The file contains evidence that a CDA was completed. Per Final CD pg 119, the XXXX fee in Section B and the CDA invoice on page 293. The UCDP score is 2.5, please provide TPR with all docs for securitization. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Finding is resolved. Desk review provided by the client. - Due Diligence Vendor-12/20/2022<br>| XXXX |  |  | MA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101463 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved. BPA has been provided by the client. - Due Diligence Vendor-12/20/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure Indicator is 'Missing'. - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Finding is resolved. BPA has been provided by the client. - Due Diligence Vendor-12/20/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/20/2022<br>| XXXX |  |  | MA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101463 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved. XXXX Provided by the client. - Due Diligence Vendor-12/20/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Open-Third Party Fraud Report Partially Provided We have Loan Participant Analysis report on Page #295 - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022<br>| Resolved-Finding is resolved. XXXX Provided by the client. - Due Diligence Vendor-12/20/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/20/2022<br>| XXXX |  |  | MA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101362 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | XXXX | Ready for Review-Document Uploaded. Hi Scott, this is not a TRID loan. Please see attached for Final HUD1 - Seller-12/15/2022<br>| Resolved-Final settlement statement received and updated to review, resolved. - Due Diligence Vendor-12/16/2022<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101519 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Finding waived. UW exception approved using the following comp factors. The Client provided the approved Exception request: credit score of 709 with an LTV at 75%. - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023 <br>Open-Audited FICO of 709 is less than Guideline FICO of 720 The Loan Approval Exception Form is missing. Email on page 596 reflects the request: Applying for an exception Prime non agency 12 months business bank statement loan. exception for not having a 720 score. Pleaes provide the fully executed Loan Approval Exception reflecting 3 compensating factors. - Due Diligence Vendor-01/24/2023 <br>Open-Please provide UW exception with comp factors for B1 FICO of 709, Program requires 720 minimum FICO. - Due Diligence Vendor-01/17/2023 <br>Open-Audited FICO of 709 is less than Guideline FICO of 720 The Loan Approval Exception Form is missing. Email on page 596 reflects the request: Applying for an exception Prime non agency 12 months business bank statement loan. exception for not having a 720 score. Pleaes provide the fully executed Loan Approval Excetpion reflecting 3 compensating factors. - Due Diligence Vendor-01/12/2023 | Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| Waived-Finding waived. UW exception approved using the following comp factors. The Client provided the approved Exception request: credit score of 709 with an LTV at 75%. - Due Diligence Vendor-01/25/2023<br>| XXXX |  | 1. PITIA reserves of 23 months ($77000) is above minimum by 6 months or greater. <br> 2. 10 years on job as dentist is greater than 5 years. <br> 3. Appraisal shows $440k well supported and loan amount is 62% of true property value. Large reserves, appraisal is also received and shows $440k market value well supported, so with below market purchase the loan amount of 62% of true property value. Email chain with copy of appraised value requesting 80% LTV based on lower of 2 values. | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101519 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Missing self-employment income documentation | Resolved-Finding Resolved. Client provided a WVOE for B2's previous employer confirming the 12 months. - Due Diligence Vendor-01/12/2023 <br>Ready for Review-Document Uploaded. - Seller-01/12/2023 <br>Counter-Client Contact for Resolution 1/5/23. 1/9/23 - Due Diligence Vendor-01/09/2023 <br>Counter-Finding Countered. The Client uploaded the Credit Supplement that was used for the Finding for Housing History. The finding is for the Co-Borrower's self employment history and previous employment/education history. - Due Diligence Vendor-01/05/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023 <br>Open-Client contact for resolution via email. - Due Diligence Vendor-01/05/2023 <br>Open-B-2 does not have the required length of Self Employment. The Guideline on page 13 of 52 reflects: if S/E less than 2 years, previous employment in same line of work for 2 years. Final 1003 reflects 14 months as S/E and 12 months of previous employment. The file does not provide any transcripts or previous employment for the missing year of experience. - Due Diligence Vendor-01/04/2023 <br>Open-B-2 does not have the required length of Self Employmnet. The Guideline on page 13 of 52 reflects: if S/E less than 2 years, previous employment in same line of work for 2 years. Final 1003 reflects 14 months as S/E and 12 months of previous employment. The file does not provide any transacripts or previous employment for the missing year of experience. - Due Diligence Vendor-12/27/2022 <br>Open-B-2 does not have the required length of Self Employmnet. The Guideline on page 13 of 52 reflects: if S/E less than 2 years, previous employment in same line of work for 2 years. Final 1003 reflects 14 months as S/E and 12 months of previous employment. The file does not provide any transacripts or previous employment for the missing year of experience. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-01/12/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023<br>| Resolved-Finding Resolved. Client provided a WVOE for B2's previous employer confirming the 12 months. - Due Diligence Vendor-01/12/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101519 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Finding Resolved. Client provided an updated credit supplement. - Due Diligence Vendor-01/05/2023 <br>Ready for Review-Document Uploaded. - Seller-01/05/2023 <br>Open-Client contact for resolution via email. - Due Diligence Vendor-01/05/2023 <br>Open-Housing History Does Not Meet Guideline Requirements the Credit report on page 345 reflects only 10 months for B-1 Mortgage history and 7 months for B-2 Mortgage history. The closed mortgages on the credit report add only another 5 months of mortgage history. - Due Diligence Vendor-01/04/2023 <br>Open-Housing History Does Not Meet Guideline Requirements The Credit report on page 345 reflects only 10 months for B-1 Mortgage history and 7 months for B-2 Mortgage history. The closed mortgages on the credit rport add only another 5 months of mortgage hsitory. - Due Diligence Vendor-12/27/2022 <br>Open-Housing History Does Not Meet Guideline Requirements The Credit report on page 345 reflects only 10 months for B-1 Mortgage history and 7 months for B-2 Mortgage history. The closed mortgages on the credit rport add only another 5 months of mortgage hsitory.<br> - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-01/05/2023<br>| Resolved-Finding Resolved. Client provided an updated credit supplement. - Due Diligence Vendor-01/05/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101519 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-Third Party Fraud Report Partially Provided The LPA is on page 495, XXXX is missing. - Due Diligence Vendor-12/16/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-12/22/2022<br>| Fraud Report-Risk Evaluation Report.pdf |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101497 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | XXXX | Ready for Review-Document Uploaded. - Seller-12/28/2022<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/03/2023 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/03/2023 <br>Resolved-Finding Resolved. Client provided the VVOE Certification for Borrower's employment as of closing date. - Due Diligence Vendor-12/28/2022<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101497 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Finding is resolved, client uploaded rate lock and COC. - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-12/30/2022 <br>Counter-The file is missing the Change of Circumstances for the increases to the points paid. The points increased on each CD. The LE 10/19/22 provided in the findings was for the rate lock, rate expired XXXX and closing was 12/12/22. FInal CD 12/12/22 page 189. Please provide all the change of circumstances for the points increases. - Due Diligence Vendor-12/29/2022 <br>Ready for Review-per U/W : HPML: Full Appraisal Used and No Escrow Waiver app - Seller-12/28/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Tolerance Variance total amount is $2805.08 From which we have lender credit in final CD up to $15, so XXXX-$15 = XXXX (For this we don't have COC to cure the Tolerance). - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/30/2022 <br>Ready for Review-per U/W : HPML: Full Appraisal Used and No Escrow Waiver app - Seller-12/28/2022<br>| Resolved-Finding is resolved, client uploaded rate lock and COC. - Due Diligence Vendor-01/03/2023<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101497 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Finding is resolved. Client provided COC's covering changes. - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-12/30/2022 <br>Counter-The file is missing the Change of Circumstances for the increases to the points paid. The points increased on each CD. The LE 10/19/22 provided in the findings was for the rate lock, rate expired 11/14/22 and closing was 12/12/22. FInal CD 12/12/22 page 189. Please provide all the change of circumstances for the points increases. - Due Diligence Vendor-12/29/2022 <br>Ready for Review-per U/W : HPML: Full Appraisal Used and No Escrow Waiver app - Seller-12/28/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,805.08.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Please provide the Change of Circumstances. Tolerance Variance total amount is $2805.08 From which we have lender credit in final CD up to $15, so XXXX-$15 = XXXX (For this we don't have COC to cure the Tolerance). - Due Diligence Vendor-12/27/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,805.08.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Please provide the Change of Circumstances. <br> Tolerance Variance total amount is XXXX From which we have lender credit in final CD up to $15, so XXXX-$15 = XXXX (For this we don't have COC to cure the Tolerance). - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/30/2022 <br>Ready for Review-per U/W : HPML: Full Appraisal Used and No Escrow Waiver app - Seller-12/28/2022<br>| Resolved-Finding is resolved. Client provided COC's covering changes. - Due Diligence Vendor-01/03/2023<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101497 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate Lock and LE provided by the client, finding is resolved. - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Open-Primary Purchcase transaction, missing the rate lock signed and dated by the Borrower paying points. - Due Diligence Vendor-12/22/2022 | Ready for Review-Document Uploaded. - Seller-12/23/2022<br>| Resolved-Rate Lock and LE provided by the client, finding is resolved. - Due Diligence Vendor-12/23/2022<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101497 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 Fannie Mae score is 3.2, secondary valuation required in file. - Due Diligence Vendor-12/16/2022 | Ready for Review-Document Uploaded. - Seller-12/23/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/23/2022<br>| XXXX |  |  | AL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101493 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | XXXX | Ready for Review-Document Uploaded. - Seller-12/23/2022<br>| Waived-Loan Approval Exception provided by Client dated 11/18/22: To use short term rental calculation to determine DSCR well over 1.0 - based on appraisal's monthly market rent would give a .78 DSCR. - Due Diligence Vendor-12/27/2022 <br>Waived-Client provided exception; finding is waived. - Due Diligence Vendor-12/23/2022<br>| XXXX |  | Credit Score above minimum by 20 points or greater: FICO 758 B1 - 740 Guideline<br> Time on Job of 5 years or greater<br> 0X30X24 month housing history<br> PITIA reserves above minimum by 6 months or greater - $11,000.0 required, $19,000.00 available. <br> Credit score, alternate DSCR if using annual AirDNA expectation is well over 1 | FL | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101493 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved. Third Party Fraud Report is fully present. - Due Diligence Vendor-12/22/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/22/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-Third Party Fraud Report Partially Provided The LPA is on page 358, 402, 470, 532, 547, 554, XXXX is missing. - Due Diligence Vendor-12/16/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Finding is resolved. Third Party Fraud Report is fully present. - Due Diligence Vendor-12/22/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/22/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/22/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101492 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | XXXX | Ready for Review-Document Uploaded. - Seller-12/29/2022<br>| Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-12/29/2022 <br>Resolved-Finding Resolved. Client provided the Desk Review. - Due Diligence Vendor-12/29/2022<br>| XXXX |  |  | NH | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101492 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved. Third Party Fraud Report provided by the client - Due Diligence Vendor-12/21/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/21/2022 <br>Open-Third Party Fraud Report Partially Provided Missing Third Party Fraud Report The file does not have the XXXX. OFAC for Borrower within credit report and and LPA only on page 555. - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. - Seller-12/21/2022<br>| Resolved-Finding is resolved. Third Party Fraud Report provided by the client - Due Diligence Vendor-12/21/2022 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/21/2022<br>| XXXX |  |  | NH | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101492 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved. BPA provided by the client - Due Diligence Vendor-12/21/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. - Seller-12/21/2022 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. - Seller-12/21/2022<br>| Resolved-Finding is resolved. BPA provided by the client - Due Diligence Vendor-12/21/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/21/2022<br>| XXXX |  |  | NH | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101490 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Doc Issue | Condo / PUD rider Missing | Resolved-Riders for Deed of Trust have been provided, finding is resolved. - Due Diligence Vendor-01/12/2023 <br>Ready for Review-Document Uploaded. - Seller-01/12/2023 <br>Open-Client contact for resolution via email. - Due Diligence Vendor-01/05/2023 <br>Open-Condo / PUD rider Missing the Deed of Trust and all applicable Riders are not in the file. - Due Diligence Vendor-01/04/2023 <br>Open-Condo / PUD rider Missing The Deed of Trust and all applicable Riders are not in the file. - Due Diligence Vendor-12/27/2022 <br>Open-Condo / PUD rider Missing The Deed of Trust and all applicable Riders are not in the file. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-01/12/2023<br>| Resolved-Riders for Deed of Trust have been provided, finding is resolved. - Due Diligence Vendor-01/12/2023<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101490 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust provided by the client, finding is resolved. - Due Diligence Vendor-01/12/2023 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/12/2023 <br>Ready for Review-Document Uploaded. - Seller-01/12/2023 <br>Open-Client contact for resolution via email. - Due Diligence Vendor-01/05/2023 <br>Open-Please provide executed Deed of Trust. - Due Diligence Vendor-01/04/2023 <br>Open-The Deed of Trust is Missing. - Due Diligence Vendor-12/27/2022 <br>Open-The Deed of Trust is Missing. - Due Diligence Vendor-12/23/2022 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. - Seller-01/12/2023<br>| Resolved-Deed of Trust provided by the client, finding is resolved. - Due Diligence Vendor-01/12/2023 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/12/2023<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101490 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Finding is resolved. Desk Review has been provided by the client. - Due Diligence Vendor-12/22/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5.(CU Score is 5) - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Finding is resolved. Desk Review has been provided by the client. - Due Diligence Vendor-12/22/2022 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/22/2022<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101490 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved. BPA has been provided by the client. - Due Diligence Vendor-12/22/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The file contains only the initial Business Purpose Affidavit on page 532, it is E-signed and is not Notarized. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Finding is resolved. BPA has been provided by the client. - Due Diligence Vendor-12/22/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/22/2022<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101459 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists, finding is resolved. - Due Diligence Vendor-12/22/2022 <br>Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Pleawe provide the LPA within the XXXX. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-All Interested Parties Checked against Exclusionary Lists, finding is resolved. - Due Diligence Vendor-12/22/2022 <br>Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/22/2022<br>| XXXX |  |  | SD | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101459 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Finding is resolved. Third Party Fraud Report has been provided. - Due Diligence Vendor-12/22/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Finding is resolved. Third Party Fraud Report has been provided. - Due Diligence Vendor-12/22/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/22/2022<br>| XXXX |  |  | SD | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101459 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved. BPA Provided by the client. - Due Diligence Vendor-12/22/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The file contains only the Initial Business Purpose Affidavit on page 622, it is E-Signed and is missing the notary stamp. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022<br>| Resolved-Finding is resolved. BPA Provided by the client. - Due Diligence Vendor-12/22/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/22/2022<br>| XXXX |  |  | SD | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101507 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-XXXX has been provided; finding is resolved. - Due Diligence Vendor-12/23/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-12/23/2022 <br>Open-Missing Third Party Fraud Report - XXXX missing - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. - Seller-12/23/2022<br>| Resolved-XXXX has been provided; finding is resolved. - Due Diligence Vendor-12/23/2022 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/23/2022<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101491 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/27/2022 <br>Resolved-Finding Resolved. Client provided the Desk Review. - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Document Uploaded. - Seller-12/27/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/27/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/27/2022 <br>Resolved-Finding Resolved. Client provided the Desk Review. - Due Diligence Vendor-12/27/2022<br>| XXXX |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101491 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/27/2022 <br>Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Document Uploaded. - Seller-12/27/2022 <br>Open-Third Party Fraud Report Partially Provided Missing Third Party Fraud Report The file does not have the XXXX. OFAC for Borrower within credit report and and LPA only on page 348. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/27/2022<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/27/2022 <br>Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-12/27/2022<br>| XXXX |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101499 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-Finding Resolved. Client provided the COC - Due Diligence Vendor-12/29/2022 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Open-Loan Estimate LOAN - DATE ISSUED 11/28/2022 - Transfer Taxes amount increased by $5. - Due Diligence Vendor-12/28/2022 <br>Open-Loan Estimate LOAN - DATE ISSUED 11/28/2022 - Transfer Taxes amount increased by $5. - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022<br>| Resolved-Finding Resolved. Client provided the COC - Due Diligence Vendor-12/29/2022<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101499 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Finding Resolved. Client provided COC. - Due Diligence Vendor-12/29/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/29/2022 <br>Rescinded- - Due Diligence Vendor-12/28/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Loan Estimate LOAN - DATE ISSUED 11/28/2022 - Transfer Taxes amount increased by $5. - COC missing - Due Diligence Vendor-12/21/2022 |  | Resolved-Finding Resolved. Client provided COC. - Due Diligence Vendor-12/29/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/29/2022<br>|  |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101499 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $5.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Loan Estimate LOAN - DATE ISSUED 11/28/2022 - Transfer Taxes amount increased by $5. - COC missing - Due Diligence Vendor-12/28/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $5.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Loan Estimate LOAN - DATE ISSUED 11/28/2022 - Transfer Taxes amount increased by $5. - COC missing - Due Diligence Vendor-12/21/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022<br>|  | XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101499 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/27/2022 <br>Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Document Uploaded. - Seller-12/27/2022 <br>Open-Third Party Fraud Report Partially Provided The LPA is on page 360, XXXX is missing. - Due Diligence Vendor-12/23/2022 | Ready for Review-Document Uploaded. - Seller-12/27/2022<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/27/2022 <br>Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-12/27/2022<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101494 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding is resolved. Guaranty Agreement provided by the client. - Due Diligence Vendor-12/28/2022 <br>Ready for Review-Document Uploaded. - Seller-12/28/2022 <br>Open-File is missing the Personal Guaranter signed at closing, file closed in LLC. - Due Diligence Vendor-12/27/2022 | Ready for Review-Document Uploaded. - Seller-12/28/2022<br>| Resolved-Finding is resolved. Guaranty Agreement provided by the client. - Due Diligence Vendor-12/28/2022<br>| XXXX |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101502 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Doc Issue | Other Required mortgage rider missing | Resolved-Client provided Exhibit A from Mortgage. Finding resolved. - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Counter-Client provided Exhibit A from Title Commitment. However, Exhibit A, page 386, from the executed Mortgage Document, page 375, does not include the legal description. Please provide Exhibit A from recorded Mortgage to include the legal description. Email follow up with Client. - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Counter-The Mortgage/Deed of Trust on page 375 reflects "See Exhibit A", the document that is part of the Mortgage. - Due Diligence Vendor-12/29/2022 <br>Ready for Review-Document Uploaded. Exhibit A on page 10 of title - Seller-12/29/2022 <br>Open-The file does not contain the Exhibit A - Legal Description of property. - Due Diligence Vendor-12/28/2022 | Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Ready for Review-Document Uploaded. Exhibit A on page 10 of title - Seller-12/29/2022<br>| Resolved-Client provided Exhibit A from Mortgage. Finding resolved. - Due Diligence Vendor-01/03/2023<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101500 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Finding Resolved. Client provided an updated appraisal with the comment on page 10. - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. If you review on the bottom of the new revised appraisal added today, on page 10 there is an addendum on the bottom reflecting "the subject projects commercial space is typical of the subject neighborhood, and exerts no observable adverse impact on subject marketability or market value" - Seller-01/03/2023 <br>Counter-Appraisal provided by the client is the same appraisal in the file. Appraisal on page 59 (Bottom of page) does not reflect the "Commercial Space" comment per the Guidelines on page 26 of 52. "Typical for the market, does not have a negative impact on marketability". Please provide updated Appraisal. - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Open-Appraisal on page 59 (Bottom of page) does not reflect the "Commercial Space" comment per the Guidelines on page 26 of 52. "Typical for the market, does not have a negative impact on marketability" - Due Diligence Vendor-12/28/2022 | Ready for Review-Document Uploaded. If you review on the bottom of the new revised appraisal added today, on page 10 there is an addendum on the bottom reflecting "the subject projects commercial space is typical of the subject neighborhood, and exerts no observable adverse impact on subject marketability or market value" - Seller-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023<br>| Resolved-Finding Resolved. Client provided an updated appraisal with the comment on page 10. - Due Diligence Vendor-01/03/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101500 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Exception provided by the client, finding is waived. - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-01/03/2023 <br>Open-Loan Approval Exception on page 915, the Condo HOA is in Unacceptable Litigation, subject is Non-Warrantable. Finding will be waived, however the Income and Ratios reflected on Exception are $13,780.00 - 16.23 / 37.09, the Final 1008 page 29 reflects $8,780.98 - 22.72 / 43.58% which matches TPR. Client to advise if Exception needs to be updated, thanks. (An investor exception will be required, the HOA is involved in unacceptable litigation, one case is a minor matter involving localized damage to one unit, however the other case is a wrongful death lawsuit seeking claims in excess of $5,000,000.00.) - Due Diligence Vendor-12/28/2022 | Ready for Review-Document Uploaded. - Seller-01/03/2023<br>| Waived-Exception provided by the client, finding is waived. - Due Diligence Vendor-01/03/2023<br>| XXXX |  | XXXX | FL | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101500 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Finding resolved. Client provided the Business Purpose Affidavit - Due Diligence Vendor-12/29/2022 <br>Ready for Review-Document Uploaded. - Seller-12/29/2022 <br>Open-File does not contian the Underwriter Attestation, required on Prime Non Agency. - Due Diligence Vendor-12/28/2022 | Ready for Review-Document Uploaded. - Seller-12/29/2022<br>| Resolved-Finding resolved. Client provided the Business Purpose Affidavit - Due Diligence Vendor-12/29/2022<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101488 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/03/2023 <br>Resolved-Finding resolved. Client provided CDA. - Due Diligence Vendor-01/03/2023 <br>Ready for Review-Document Uploaded. - Seller-12/30/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 CU score is 4.2, please provide additional valuation. - Due Diligence Vendor-12/29/2022 | Ready for Review-Document Uploaded. - Seller-12/30/2022<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/03/2023 <br>Resolved-Finding resolved. Client provided CDA. - Due Diligence Vendor-01/03/2023<br>| XXXX |  |  | GA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101521 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | Deficient subject rental income documentation. | XXXX |  | XXXX |  |  | Total Qualified Assets available for Reserves : $758,645.14 ; Large reserves.<br> Credit Report on Page 187 reflects no derogatory credit, owns several homes free and clear, positive net worth. | WA | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101521 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Finding resolved. Not provided by the client. - Due Diligence Vendor-02/06/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-Awaiting client response. - Due Diligence Vendor-01/25/2023 <br>Open-Please provide executed Note. - Due Diligence Vendor-01/17/2023 <br>Open-The Note is Missing Please provide executed Note. - Due Diligence Vendor-01/06/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Finding resolved. Not provided by the client. - Due Diligence Vendor-02/06/2023<br>| XXXX |  |  | WA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101521 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/09/2023 <br>Resolved-Finding Resolved. Client provided the XXXX dated 11/10/22. - Due Diligence Vendor-01/09/2023 <br>Ready for Review-Document Uploaded. - Seller-01/09/2023 <br>Open-Missing Third Party Fraud Report File fraud report p.334 contains LPA list only. Please provide entire third-party fraud report. - Due Diligence Vendor-01/06/2023 | Ready for Review-Document Uploaded. - Seller-01/09/2023<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/09/2023 <br>Resolved-Finding Resolved. Client provided the XXXX dated 11/10/22. - Due Diligence Vendor-01/09/2023<br>| XXXX |  |  | WA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101521 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/09/2023 <br>Resolved-Finding Resolved. Client provided the IFnal Business Purpose Affidavit. - Due Diligence Vendor-01/09/2023 <br>Ready for Review-Document Uploaded. - Seller-01/09/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit p.371-372 is not Notarized. Please provide Final Notarized Business Purpose Affidavit from closing. - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/09/2023<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/09/2023 <br>Resolved-Finding Resolved. Client provided the IFnal Business Purpose Affidavit. - Due Diligence Vendor-01/09/2023<br>| XXXX |  |  | WA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101521 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Rep and Warrant Relief Missing | Resolved-Finding Resolved. Client provided the Freddie Reps and Warrants - Due Diligence Vendor-01/09/2023 <br>Ready for Review-Document Uploaded. - Seller-01/09/2023 <br>Open-Fannie is located on Page 253 and dated 11/8/22, Please provide the missing Collateral Rep and Warrant Relief. - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/09/2023<br>| Resolved-Finding Resolved. Client provided the Freddie Reps and Warrants - Due Diligence Vendor-01/09/2023<br>| XXXX |  |  | WA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101508 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | USA Patriot Act Disclosure-Borrower Identification is Incomplete | Resolved-Finding Resolved. Client provided an updated, notarized USA Patriot Disclosure. - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-Patriot Act Disclosure on Page 475-476 for B1 & B2 have the Date of Birth and Expiration date of the Drivers License reversed. Please provide Patriot Act Disclosure with correct Date of Birth/Expiration Date. - Due Diligence Vendor-01/17/2023 <br>Open-Patriot Act Disclosure on Page 475-476 for B1 & B2 have the Date of Birth and Expiration date of the Drivers License reversed. Please provide Patriot Act Disclosure with correct Date of Birth/Expiration Date. - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-Finding Resolved. Client provided an updated, notarized USA Patriot Disclosure. - Due Diligence Vendor-01/18/2023<br>| XXXX |  |  | WI | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101508 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved, Fraud Report has been provided by the client. - Due Diligence Vendor-01/11/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/11/2023 <br>Ready for Review-Document Uploaded. - Seller-01/11/2023 <br>Open-Third Party Fraud Report Partially Provided LPA provided on Page 434, Please provide full XXXX. - Due Diligence Vendor-01/09/2023 | Ready for Review-Document Uploaded. - Seller-01/11/2023<br>| Resolved-Finding is resolved, Fraud Report has been provided by the client. - Due Diligence Vendor-01/11/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/11/2023<br>| XXXX |  |  | WI | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101495 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | Resolved-Finding is resolved, CDA provided by the client. - Due Diligence Vendor-01/11/2023 <br>Ready for Review-Document Uploaded. - Seller-01/11/2023 <br>Open-CU Score is N/A on 2 unit property, Please provide CDA. - Due Diligence Vendor-01/10/2023 | Ready for Review-Document Uploaded. - Seller-01/11/2023<br>| Resolved-Finding is resolved, CDA provided by the client. - Due Diligence Vendor-01/11/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101495 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved, client provided BPA. - Due Diligence Vendor-01/11/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/11/2023 <br>Ready for Review-Document Uploaded. - Seller-01/11/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Please provide missing Business Purpose Affidavit. - Due Diligence Vendor-01/10/2023 | Ready for Review-Document Uploaded. - Seller-01/11/2023<br>| Resolved-Finding is resolved, client provided BPA. - Due Diligence Vendor-01/11/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/11/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101495 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | DSCR unknown | Waived-Loan Approval Exception on page 187 for the DSCR calculation: This a 2-unit property, and 1 unit is currently rented for XXXX through 7/31/2023. The other unit is vacant. Market rent per the appraisal is XXXX per unit. We would like to use the market rent of XXXX for DSCR rather than a combination of the existing lease and $1,800.00 - Due Diligence Vendor-01/10/2023 |  | Waived-Loan Approval Exception on page 187 for the DSCR calculation: This a 2-unit property, and 1 unit is currently rented for $1,250.00/month through 7/31/2023. The other unit is vacant. Market rent per the appraisal is $1,800.00/month per unit. We would like to use the market rent of $3,600.00 for DSCR rather than a combination of the existing lease and $1,800.00 - Due Diligence Vendor-01/10/2023<br>|  |  | 0X30X24 month housing history<br> PITIA reserves above minimum by 6 months or greater: The reserves required is 6 months - $18,300.00, post closing assets total $295,000.00.<br> The property appraised for $15k over purchase price; existing lease will expire 7 months after closing and borrower will raise rent; one unit is vacant; large amount of reserves, small amount of current debt | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101512 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/08/2023 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'N/A'. Business Purpose Affidavit is required for a DSCR loan. Finding resolved. - Due Diligence Vendor-01/24/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/24/2023 <br>Resolved-The Business Purpose Affidavit has been uploaded by the client, finding is resolved. - Due Diligence Vendor-01/13/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/13/2023 <br>Ready for Review-Document Uploaded. - Seller-01/13/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure is 'Missing'. - Due Diligence Vendor-01/11/2023 | Ready for Review-Document Uploaded. - Seller-01/13/2023<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/08/2023 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'N/A'. Business Purpose Affidavit is required for a DSCR loan. Finding resolved. - Due Diligence Vendor-01/24/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/24/2023 <br>Resolved-The Business Purpose Affidavit has been uploaded by the client, finding is resolved. - Due Diligence Vendor-01/13/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/13/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101512 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Finding is resolved, Secondary Valuation provided by the client. - Due Diligence Vendor-01/23/2023 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/23/2023 <br>Ready for Review-Document Uploaded. - Seller-01/23/2023 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-01/17/2023 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-01/11/2023 | Ready for Review-Document Uploaded. - Seller-01/23/2023<br>| Resolved-Finding is resolved, Secondary Valuation provided by the client. - Due Diligence Vendor-01/23/2023 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/23/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101515 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | XXXX | Ready for Review-Document Uploaded. Document Uploaded. - Seller-01/19/2023 <br>Ready for Review-Can management please review and confirm this deficiency. - Seller-01/13/2023<br>| Resolved-Finding Reolved. Updated Data Tape provided by Client. <br> - Due Diligence Vendor-02/02/2023<br>| XXXX |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101515 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/19/2023 <br>Resolved-Fiding resolved. Client provided the 1008. - Due Diligence Vendor-01/19/2023 <br>Ready for Review-Document Uploaded. - Seller-01/19/2023 <br>Open-The 1008 document is missing from the loan file. 1008 Document missing in file - Due Diligence Vendor-01/11/2023 | Ready for Review-Document Uploaded. - Seller-01/19/2023<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/19/2023 <br>Resolved-Fiding resolved. Client provided the 1008. - Due Diligence Vendor-01/19/2023<br>| XXXX |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101515 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Finding Resolved. Client provided the DSCR ratio calculation of 99%. - Due Diligence Vendor-01/19/2023 <br>Ready for Review-Document Uploaded. - Seller-01/19/2023 <br>Open-The file does not contain the DSCR calculation. DSCR calcuation: $2100.00 market rent / PITIA $2111.77 = 0.99%. - Due Diligence Vendor-01/11/2023 | Ready for Review-Document Uploaded. - Seller-01/19/2023<br>| Resolved-Finding Resolved. Client provided the DSCR ratio calculation of 99%. - Due Diligence Vendor-01/19/2023<br>| XXXX |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101515 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding is resolved, Guaranty Agreement provided by the client. - Due Diligence Vendor-01/13/2023 <br>Ready for Review-Document Uploaded. - Seller-01/13/2023 <br>Open-Guaranty Agreement missing in file - Due Diligence Vendor-01/11/2023 | Ready for Review-Document Uploaded. - Seller-01/13/2023<br>| Resolved-Finding is resolved, Guaranty Agreement provided by the client. - Due Diligence Vendor-01/13/2023<br>| XXXX |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101514 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Finding Rresolved. Cleint provided the DSCR calculation of 1.08%. - Due Diligence Vendor-01/19/2023 <br>Ready for Review-Document Uploaded. - Seller-01/19/2023 <br>Counter-Client provided 1008 stating this is an investor loan but does not contain the calculation. Please provide DSCR calculation. - Due Diligence Vendor-01/17/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Open-Confirmed missing DSCR calculation. Please provide UW DSCR calculation. - Due Diligence Vendor-01/17/2023 <br>Open-DSCR Calculation sheet is not provided, kindly provide. - Due Diligence Vendor-01/12/2023 | Ready for Review-Document Uploaded. - Seller-01/19/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023<br>| Resolved-Finding Rresolved. Cleint provided the DSCR calculation of 1.08%. - Due Diligence Vendor-01/19/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101514 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/19/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/17/2023 <br>Ready for Review-Document Uploaded. - Seller-01/17/2023 <br>Open-Confirmed finding, please provide Notarized Business Purpose Affidavit executed at closing. - Due Diligence Vendor-01/17/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure is 'Missing', Please Provide. - Due Diligence Vendor-01/12/2023 | Ready for Review-Document Uploaded. - Seller-01/17/2023<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/19/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/17/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101516 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved, Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/18/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-Third Party Fraud Report Partially Provided The file does not contain the XXXX, the LPA is on page 189. - Due Diligence Vendor-01/17/2023 <br>Open-Third Party Fraud Report Partially Provided The file does not cotain the XXXX, the LPA is on page 189. - Due Diligence Vendor-01/12/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-Finding is resolved, Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/18/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/18/2023<br>| Data Verify.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101516 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Rep and Warrant Relief Missing | Resolved-Finding is resolved, Freddie Reps & Warrants provided by the client. - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-The file does not contain the Freddie Reps & Warrants, the Fannie SSR UCDP dated 9/30/22 is on page 90. - Due Diligence Vendor-01/17/2023 <br>Open-The file does not contain the Freddie Reps & Warrants, the Fannie SSR UCDP dated 9/30/22 is on page 90. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-Finding is resolved, Freddie Reps & Warrants provided by the client. - Due Diligence Vendor-01/18/2023<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101516 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit has been provided by the client an the finding is resolved. - Due Diligence Vendor-01/18/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure document missing in file<br> - Due Diligence Vendor-01/17/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure document missing in file - Due Diligence Vendor-01/12/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-The Business Purpose Affidavit has been provided by the client an the finding is resolved. - Due Diligence Vendor-01/18/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/18/2023<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101535 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Deficient condo documentation. | Resolved-Document Uploaded. Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/08/2023 <br>Open-Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/08/2023 |  | Resolved-Document Uploaded. Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/08/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101535 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Document Uploaded. - Due Diligence Vendor-02/08/2023 <br>Open-Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/08/2023 |  | Resolved-Document Uploaded. - Due Diligence Vendor-02/08/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101535 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | XXXX | Ready for Review-Document Uploaded. - Seller-01/31/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| XXXX | XXXX |  | Credit Score above minimum by 20 points or greater ; Credit Score 747. <br> DTI below max by 5% or greater ; DTI is 37.06% G/L: 50%<br> Increase in residual income by 10% or greater .<br> 03X30X24 month housing history .<br> PITIA reserves above minimum by 6 months or greater. Required: 6 months/$8,210.14, assets post close: $495,499.95<br> been there 4 years and the other 10 years. DTI is very low. Home appraised for $53,000 more than purchase price | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101535 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Finding resolved. Client provided COC for increase. - Due Diligence Vendor-01/26/2023 <br>Ready for Review-Document Uploaded. - Seller-01/26/2023 <br>Open-There was in increase in the loan discount points on from XXXX to XXXX on CD 12/23/2022. Please provide COC for increase. - Due Diligence Vendor-01/18/2023 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,099.31.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. - Seller-01/26/2023<br>| Resolved-Finding resolved. Client provided COC for increase. - Due Diligence Vendor-01/26/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101535 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided by the client. Finding is resolved. - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-TRID: Missing Closing Disclosure Missing Initial CD, due to which C.E has not tested - Due Diligence Vendor-01/17/2023 <br>Open-TRID: Missing Closing Disclosure Missing Initial CD, due to which C.E has not tested - Due Diligence Vendor-01/12/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-Initial CD provided by the client. Finding is resolved. - Due Diligence Vendor-01/18/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101535 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report has been provided by the client. Finding is resolved.<br> - Due Diligence Vendor-01/18/2023 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-Missing Third Party Fraud Report Please provide entire XXXX, file contains LPA list alone.<br> - Due Diligence Vendor-01/17/2023 <br>Open-Missing Third Party Fraud Report Please provide entire XXXX, file contains LPA list alone. - Due Diligence Vendor-01/12/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-Third Party Fraud Report has been provided by the client. Finding is resolved.<br> - Due Diligence Vendor-01/18/2023 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/18/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101535 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding is resolved. Personal Guarantor signed at closing has been provided by the client. - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-The file closed in an LLC, please provide the Personal Guarantor signed at closing. - Due Diligence Vendor-01/17/2023 <br>Open-The file closed in an LLC, please provide the Personal Guarantor signed at closing. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-Finding is resolved. Personal Guarantor signed at closing has been provided by the client. - Due Diligence Vendor-01/18/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101535 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing income documentation (ATR) | Resolved-Finding is resolved. Cash Flow Analysis Worksheet has been provided by the client. - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-The file does not contain the Underwriters Income Calculation. - Due Diligence Vendor-01/17/2023 <br>Open-The file does not contain the Underwriters Income Calculation. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-Finding is resolved. Cash Flow Analysis Worksheet has been provided by the client. - Due Diligence Vendor-01/18/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101509 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Finding is resolved. Updated 1008 provided by the client. - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Open-DSCR Provided on 1008 p.21 shows 1.19%. Audit produced DSCR score of 1.26%, Due to incorrect insurance amount from 1008 of XXXX Insurance document and Final CD reflects XXXX Please provide new 1008 reflecting corrected DSCR score based on corrected proposed payment. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Finding is resolved. Updated 1008 provided by the client. - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101509 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Finding is resolved. HOI Dec page has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Open-Hazard Insurance declaration page missing, please provide. - Due Diligence Vendor-01/17/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Finding is resolved. HOI Dec page has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101509 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Finding is resolved. Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Counter-Finding Countered. Client provided 3 pages of the XXXX, please provide entire report.<br> - Due Diligence Vendor-01/19/2023 <br>Ready for Review-Document Uploaded. - Seller-01/19/2023 <br>Open-Missing Third Party Fraud Report, please provide entire XXXX. - Due Diligence Vendor-01/17/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/19/2023<br>| Resolved-Finding is resolved. Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101511 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/30/2023 <br>Resolved-Finding is resolved, client provided the Mortgage. - Due Diligence Vendor-01/30/2023 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/30/2023 <br>Ready for Review-Document Uploaded. - Seller-01/30/2023 <br>Counter-Finding Countered. Client contact for 1/26/23 for clarification on the missing mtg/DOT for this transaction. - Due Diligence Vendor-01/26/2023 <br>Ready for Review-Please have management review and confirm this deficiency response: Loan Coordinator response: "There is no mortgage because the borrower paid for the property all cash (free & clear) then we did a delayed financing. I can pull a property profile to show there was not mortgage when we closed the loan, if that helps." Uploaded the property profile to support this. Please advise. - Seller-01/26/2023 <br>Counter-Please provide the Mortgage /DOT for this transaction. - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Loan Coordinator response: "There is no mortgage because the borrower paid for the property all cash (free & clear) then we did a delayed financing. I can pull a property profile to show there was not mortgage when we closed the loan, if that helps." Uploaded the property profile to support this. Please advise. <br> - Seller-01/25/2023 <br>Counter-Document provided is not the Deed of Trust. Please provide Deed of Trust/Security Instrument. - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. - Seller-01/24/2023 <br>Open-The Deed of Trust is Missing Deed of Trust is missing from the file, please provide. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/30/2023 <br>Ready for Review-Please have management review and confirm this deficiency response: Loan Coordinator response: "There is no mortgage because the borrower paid for the property all cash (free & clear) then we did a delayed financing. I can pull a property profile to show there was not mortgage when we closed the loan, if that helps." Uploaded the property profile to support this. Please advise. - Seller-01/26/2023 <br>Ready for Review-Loan Coordinator response: "There is no mortgage because the borrower paid for the property all cash (free & clear) then we did a delayed financing. I can pull a property profile to show there was not mortgage when we closed the loan, if that helps." Uploaded the property profile to support this. Please advise. <br> - Seller-01/25/2023 <br>Ready for Review-Document Uploaded. - Seller-01/24/2023<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/30/2023 <br>Resolved-Finding is resolved, client provided the Mortgage. - Due Diligence Vendor-01/30/2023 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/30/2023<br>| Memo_No_Mortgage.pdf<br>QC_DOT.pdf<br>Settlement.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101511 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved, Business Purpose Affidavit provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The Business Purpose Affidavit Disclosure is located on Pg. 372 but is not notarized. Please provide final notarized version from closing. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Finding is resolved, Business Purpose Affidavit provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101511 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-The finding is resolved, 1008 provided by the client. - Due Diligence Vendor-01/23/2023 <br>Ready for Review-Document Uploaded. - Seller-01/23/2023 <br>Open-Per 1008 on Pg. 21 DSCR Calculation : XXXX .88%. <br> Per Note on Pg. 365 Monthly P&I is XXXX ; HOI on Pg. XXXX reflect monthly amount of XXXX Along with the Final CD on Pg. 189. <br> Manual DSCR calculation is XXXX Please provide correct DSCR Calculation and Updated 1008. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/23/2023<br>| Resolved-The finding is resolved, 1008 provided by the client. - Due Diligence Vendor-01/23/2023<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101536 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Document Uploaded. - Due Diligence Vendor-02/08/2023 <br>Open-Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/08/2023 |  | Resolved-Document Uploaded. - Due Diligence Vendor-02/08/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101536 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | XXXX | Ready for Review-Document Uploaded. - Seller-01/31/2023 <br>Ready for Review-Document Uploaded. Underwriter's Response: "Escalate this. We have email from Investor that we are ok to proceed." - Seller-01/26/2023<br>| XXXX | XXXX |  | Credit Score above minimum by 20 points or greater ; Credit Score 747. <br> DTI below max by 5% or greater ; DTI is 37.06% G/L: 50%<br> Increase in residual income by 10% or greater .<br> 03X30X24 month housing history .<br> PITIA reserves above minimum by 6 months or greater. Required: 6 months/$8,210.14, assets post close: $1,016,560.55<br> been there 4 years and the other 10 years. DTI is very low. Home appraised for $53,000 more than purchase price | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101536 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding is resolved. Personal Guarantor has been provided by the client. - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-The file closed in an LLC, please provide the Personal Guarantor signed at closing. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-Finding is resolved. Personal Guarantor has been provided by the client. - Due Diligence Vendor-01/18/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101536 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing income documentation (ATR) | Resolved-Finding is resolved. Cash Flow Analysis has been provided by the client. - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-File does not contian the Underwriters Income Calculation. - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-Finding is resolved. Cash Flow Analysis has been provided by the client. - Due Diligence Vendor-01/18/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101536 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved. Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/18/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/18/2023 <br>Ready for Review-Document Uploaded. - Seller-01/18/2023 <br>Open-Third Party Fraud Report Partially Provided We have only LA in the file on page#1338 - Due Diligence Vendor-01/13/2023 | Ready for Review-Document Uploaded. - Seller-01/18/2023<br>| Resolved-Finding is resolved. Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/18/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/18/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101545 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-UW exception approved p.543 for Ineligible Property Type using the following comp factors listed below. - Due Diligence Vendor-01/19/2023 |  | Waived-UW exception approved p.543 for Ineligible Property Type using the following comp factors listed below. - Due Diligence Vendor-01/19/2023<br>|  |  | 1. PITIA reserves above minimum by 6 months or greater. B1 reserves 10.73 months post close. <br> 2. 0X30X29 p.388-month housing history for old primary residence. <br> 3.Time on Job of 5 years or greater. B1 time on job 17.5 years as Owner, CPA Letter p.514.<br>Borrower moved from CA to KY in a travel trailer and seller has allowed them to live on the property in their travel trailer rent free until their loan is approved. Borrower previously owned a home from 2019 to 04/2022 which has been documented with the credit report and copy of CD from sale of home. They moved into their trailer in May of 2022 and started their way to KY. Please see letter of explanation from borrower. \*\*\*\*\* Property type is listed on appraisal as "Cabin" style home. The property is not a true log home as it has wood siding. This is being considered and compared to a log home even though this is not a log home, instead this is a cabin style home with wood siding. Comparable #2 and comparable #3 are both siding homes. Additional compensating factors are reserves, time on job as self-employed business owner.<br>| KY | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101545 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Finding waived. Housing History Does Not Meet Guideline Requirements, UW exception approved p.543 for Housing History using the following comp factors listed below. - Due Diligence Vendor-01/19/2023 |  | Waived-Housing History Does Not Meet Guideline Requirements Finding waived. Housing History Does Not Meet Guideline Requirements, UW exception approved p.543 for Housing History using the following comp factors listed below. - Due Diligence Vendor-01/19/2023<br>|  |  | 1. PITIA reserves above minimum by 6 months or greater. B1 reserves 10.73 months post close. <br> 2. 0X30X29 p.388-month housing history for old primary residence. <br> 3.Time on Job of 5 years or greater. B1 time on job 17.5 years as Owner, CPA Letter p.514.<br>Borrower moved from CA to KY in a travel trailer and seller has allowed them to live on the property in their travel trailer rent free until their loan is approved. Borrower previously owned a home from 2019 to 04/2022 which has been documented with the credit report and copy of CD from sale of home. They moved into their trailer in May of 2022 and started their way to KY. Please see letter of explanation from borrower. \*\*\*\*\* Property type is listed on appraisal as "Cabin" style home. The property is not a true log home as it has wood siding. This is being considered and compared to a log home even though this is not a log home, instead this is a cabin style home with wood siding. Comparable #2 and comparable #3 are both siding homes. Additional compensating factors are reserves, time on job as self-employed business owner.<br>| KY | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101545 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 CU Score is 4.6, please provide secondary valuation AVM. - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | KY | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101545 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved, Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Open-Third Party Fraud Report Partially Provided Missing Third Party Fraud Report The file does not have the XXXX. OFAC for Borrower within credit report and and LPA only on page 520.<br> - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Finding is resolved, Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | KY | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101533 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Residency | XXXX | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/22/2023 <br>Ready for Review-Document Uploaded. - Seller-02/22/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/22/2023 <br>Ready for Review-Document Uploaded. - Seller-02/22/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/21/2023 <br>Ready for Review-Document Uploaded. - Seller-02/21/2023 <br>Ready for Review-Document Uploaded. - Seller-02/15/2023<br>| Resolved-Finding Resolved. Client provided the ID for the Borrower. - Due Diligence Vendor-02/22/2023<br>| XXXX |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101533 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Debt | Mortgage history for primary residence less than 12 months | XXXX | Ready for Review-Document Uploaded. Response from out Underwriter Answers Team: "Per UW Answers - Escalate with the auditor on that one, as this guideline was clarified. It has always mentioned 12 months, but the key issue here is expected occupancy to make sure the subject isnt for personal use, so even if just acquired, normally the fact that right now the borrower is settled into an owned primary residence of his own would cover this issue and not need exception. See that for this reason, we added a note that ownership can be shorter, if we also show the earlier housing history." - Seller-02/15/2023<br>| Resolved-Finding Resolved. Client provided explanation for the Primary Housing "Mortgage History" acceptable for less than 12 months, 9/2022. - Due Diligence Vendor-02/15/2023<br>| XXXX |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101533 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Client provided 1008 with the correct DSCR calculation , finding is resolved. - Due Diligence Vendor-01/24/2023 <br>Ready for Review-Document Uploaded. - Seller-01/24/2023 <br>Open-The Final 1008 on page 21 reflects the DSCR ratio as 1.26%, TPR calculates the ratio as XXXX / PITIA XXXX = 1.248 or 1.25%. Please confirm. <br> - Due Diligence Vendor-01/19/2023 | Ready for Review-Document Uploaded. - Seller-01/24/2023<br>| Resolved-Client provided 1008 with the correct DSCR calculation , finding is resolved. - Due Diligence Vendor-01/24/2023<br>| 1008 Transmittal Summary_2.pdf |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101533 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved, Business Purpose Affidavit has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The Business Purpose Affidavit is on Pg. 408 of the file but is not fully executed or notarized. Please provide BPA executed and notarized at closing. - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Finding is resolved, Business Purpose Affidavit has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101533 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | Resolved-Finding is resolved, CDA has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Open-Per Page 46-47 of the G/L's a CDA is needed for a CU with no score. Please provide missing CDA. - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Finding is resolved, CDA has been provided by the client. - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101533 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved, Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Open-Third Party Fraud Report Partially Provided Please provide complete Third-Party Fraud Report. - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Finding is resolved, Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101537 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/09/2023 <br>Resolved-Credit report provided by the client, finding is resolved. - Due Diligence Vendor-01/25/2023 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/25/2023 <br>Open-Borrower 1 Credit Report is Missing. Please provide Credit Report. - Due Diligence Vendor-01/18/2023 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/09/2023 <br>Resolved-Credit report provided by the client, finding is resolved. - Due Diligence Vendor-01/25/2023 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/25/2023<br>|  |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101537 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Credit report provided by the client, finding is resolved. - Due Diligence Vendor-01/25/2023 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023 <br>Open-Borrower 2 Credit Report is Missing. Please provide Credit Report. - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| Resolved-Credit report provided by the client, finding is resolved. - Due Diligence Vendor-01/25/2023 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/25/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101537 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Deficient condo documentation. | Resolved-Document Uploaded. - Due Diligence Vendor-02/08/2023 <br>Open-Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/08/2023 |  | Resolved-Document Uploaded. - Due Diligence Vendor-02/08/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101537 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Document Uploaded. - Due Diligence Vendor-02/08/2023 <br>Open-Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/08/2023 |  | Resolved-Document Uploaded. - Due Diligence Vendor-02/08/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101537 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | XXXX | Ready for Review-Document Uploaded. - Seller-01/31/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| XXXX | XXXX |  | Credit Score above minimum by 20 points or greater ; Credit Score 747. <br> DTI below max by 5% or greater ; DTI is 37.06% G/L: 50%<br> Increase in residual income by 10% or greater .<br> 03X30X24 month housing history .<br> PITIA reserves above minimum by 6 months or greater. Required: 6 months/$8,210.14, assets post close: $$393,951.4<br> been there 4 years and the other 10 years. DTI is very low. Home appraised for $50,000 more than purchase price | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101537 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing income documentation (ATR) | Resolved-Finding is resolved, Cash Flow Analysis Worksheet provided by the client. - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Open-The file does not contain the Underwriters Income Calculation - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Finding is resolved, Cash Flow Analysis Worksheet provided by the client. - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101537 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Finding is resolved, Fraud XXXX Provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Finding is resolved, Fraud XXXX Provided by the client. - Due Diligence Vendor-01/20/2023 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101537 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Finding is resolved, Guaranty Agreement has been provided by the client. - Due Diligence Vendor-01/20/2023 <br>Ready for Review-Document Uploaded. - Seller-01/20/2023 <br>Open-The file closed in an LLC, please provide the Personal Guarantor signed at closing. - Due Diligence Vendor-01/18/2023 | Ready for Review-Document Uploaded. - Seller-01/20/2023<br>| Resolved-Finding is resolved, Guaranty Agreement has been provided by the client. - Due Diligence Vendor-01/20/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101543 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Residency | Resolved-Unable to Resolve-Finding resolved, updated 1003 provided by the client. - Due Diligence Vendor-02/06/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-Final 1003 shows 2 years at current residence however, CBR p.225 SN Servicing (9649) reflects 18 months residency. Please provide Updated Final 1003 covering entire 2 years of residency. - Due Diligence Vendor-01/25/2023 <br>Open-Final 1003 shows 2 years at current residence however, CBR p.225 SN Servicing (9649) reflects 18 months residency. Please provide Updated Final 1003 covering entire 2 years of residency. - Due Diligence Vendor-01/20/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Unable to Resolve-Finding resolved, updated 1003 provided by the client. - Due Diligence Vendor-02/06/2023<br>| XXXX |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101543 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Finding is resolved.CPA provided by the client. - Due Diligence Vendor-02/06/2023 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/06/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing, please provide VOE performed 10 days prior to closing. - Due Diligence Vendor-01/25/2023 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing, please provide VOE performed 10 days prior to closing. - Due Diligence Vendor-01/19/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Finding is resolved.CPA provided by the client. - Due Diligence Vendor-02/06/2023 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/06/2023<br>| XXXX |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101543 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | Resolved-Finding resolved. Client provided CDA. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Open-Page 365 shows invoice for CDA however it was not in file. Please provide CDA. - Due Diligence Vendor-01/19/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| Resolved-Finding resolved. Client provided CDA. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | NJ | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101513 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | XXXX | Ready for Review-Document Uploaded. - Seller-01/24/2023<br>| Resolved-Mortgage Statement provided, finding is resolved. - Due Diligence Vendor-01/24/2023 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/24/2023<br>| NR paid thru 2-1-23.pdf |  |  | TN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101546 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Finding Resolved. Client provided the U/W Attestation. - Due Diligence Vendor-02/15/2023 <br>Ready for Review-Document Uploaded. - Seller-02/15/2023 <br>Open-The file does not contain the Underwriter Attestation. Prime Non-Agency loan program - Due Diligence Vendor-02/13/2023 | Ready for Review-Document Uploaded. - Seller-02/15/2023<br>| Resolved-Finding Resolved. Client provided the U/W Attestation. - Due Diligence Vendor-02/15/2023<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101546 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Finding resolved. Client provided R-LE dated 11-18-2022. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/26/2023 <br>Open-Revised Loan estimate missing as we COC Page 207, loan got locked and Loan Discount Points changed from $0.00 to $80.00. This fee is a component of block A: Origination Charges. - Due Diligence Vendor-01/20/2023 | Ready for Review-Document Uploaded. - Seller-01/26/2023<br>| Resolved-Finding resolved. Client provided R-LE dated 11-18-2022. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101546 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/27/2023 <br>Resolved-Finding resolved. Client provided XXXX. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/26/2023 <br>Open-Third Party Fraud Report Partially Provided, Please provide full XXXX. - Due Diligence Vendor-01/20/2023 | Ready for Review-Document Uploaded. - Seller-01/26/2023<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/27/2023 <br>Resolved-Finding resolved. Client provided XXXX. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101546 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-01/27/2023 <br>Resolved-Finding resolved. Client provided Note. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/26/2023 <br>Open-The Note is Missing - Due Diligence Vendor-01/20/2023 | Ready for Review-Document Uploaded. - Seller-01/26/2023<br>| Resolved-The Note is Present - Due Diligence Vendor-01/27/2023 <br>Resolved-Finding resolved. Client provided Note. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101564 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated title commitment, finding resolved - Due Diligence Vendor-01/26/2023 <br>Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/26/2023 <br>Ready for Review-Document Uploaded. - Seller-01/26/2023 <br>Open-Title Coverage Amount of XXXX is Less than Total Amount of Subject Lien(s) Title Coverage Amount is Less than Total loan Amount - Due Diligence Vendor-01/19/2023 | Ready for Review-Document Uploaded. - Seller-01/26/2023<br>| Resolved-Received updated title commitment, finding resolved - Due Diligence Vendor-01/26/2023 <br>Resolved-Title Coverage Amount of $175300 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/26/2023<br>| XXXX |  |  | MD | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101564 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. LO executed Final 1003 - Seller-01/24/2023 <br>Open-The Final 1003 is Not Executed LO Signature is missing in Final 1003 - Due Diligence Vendor-01/19/2023 | Ready for Review-Document Uploaded. LO executed Final 1003 - Seller-01/24/2023<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/25/2023<br>| XXXX |  |  | MD | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101564 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Document received, data updated. - Due Diligence Vendor-01/24/2023 <br>Ready for Review-Document Uploaded. - Seller-01/24/2023 <br>Open-Need Updated 1008 with correct loan amount and LTV - Due Diligence Vendor-01/19/2023 | Ready for Review-Document Uploaded. - Seller-01/24/2023<br>| Resolved-Document received, data updated. - Due Diligence Vendor-01/24/2023<br>| LOPrint(68).pdf |  |  | MD | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101568 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-1. Borrower does not own primary residence and has less than a 12- month housing<br> payment history.<br> 2. Borrower has limited tradelines: Investment property refinance.<br> 3. LTV exceeds max 70% - Due Diligence Vendor-01/26/2023 <br>Ready for Review-Document Uploaded. - Seller-01/26/2023 <br>Open-Audited CLTV of 79.04% exceeds Guideline CLTV of 70% Please advise, exception form listed that the max LTV is 75%, per the matrix, R/T 1m+ max LTV is 70%. <br> Please provide additional compensating factors for the exceptions, currently two compensating factors for three exceptions are not sufficient. - Due Diligence Vendor-01/19/2023 | Ready for Review-Document Uploaded. - Seller-01/26/2023<br>| Waived-1. Borrower does not own primary residence and has less than a 12- month housing<br> payment history.<br> 2. Borrower has limited tradelines: Investment property refinance.<br> 3. LTV exceeds max 70% - Due Diligence Vendor-01/26/2023<br>| XXXX |  | RESIDUAL INCOME EXCEEDS $3,500 (currently $33,882)<br> NO HISTORY OF DEROGATORY PAYMENTS ON CREDIT EVER FOR ALL BORROWERS ON CREDIT<br> Fico score above minimum of 20 pts or higher (currently 794) | CA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101568 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-1. Borrower does not own primary residence and has less than a 12- month housing<br> payment history.<br> 2. Borrower has limited tradelines: Investment property refinance.<br> 3. LTV exceeds max 70% - Due Diligence Vendor-01/26/2023 <br>Waived-Borrower does not own their primary residence and has less than a 12-month housing payment <br> history - Due Diligence Vendor-01/19/2023 |  | Waived-1. Borrower does not own primary residence and has less than a 12- month housing<br> payment history.<br> 2. Borrower has limited tradelines: Investment property refinance.<br> 3. LTV exceeds max 70% - Due Diligence Vendor-01/26/2023 <br>Waived-Borrower does not own their primary residence and has less than a 12-month housing payment <br> history - Due Diligence Vendor-01/19/2023<br>|  |  | RESIDUAL INCOME EXCEEDS $3,500 (currently $33,882)<br> NO HISTORY OF DEROGATORY PAYMENTS ON CREDIT EVER FOR ALL BORROWERS ON CREDIT<br> Fico score above minimum of 20 pts or higher (currently 794) | CA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101566 |  |  | Closed | XXXX | XXXX | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received check, pccd and notification of check and pccd being sent to borrower, finding is cured - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Cured-Received check, pccd and notification of check and pccd being sent to borrower, finding is cured - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. - Seller-01/24/2023 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $195.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Please provide a valid change of circumstance or cure for the added Doc Preparation Fee on the initial closing disclosure - Due Diligence Vendor-01/19/2023 | Ready for Review-Document Uploaded. - Seller-01/24/2023<br>| Cured-Received check, pccd and notification of check and pccd being sent to borrower, finding is cured - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Cured-Received check, pccd and notification of check and pccd being sent to borrower, finding is cured - Due Diligence Vendor-01/25/2023<br>| scan.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101566 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Borrower having Lender Credit of $520, hence rescinding the finding. - Due Diligence Vendor-01/19/2023 |  | Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Borrower having Lender Credit of $520, hence rescinding the finding. - Due Diligence Vendor-01/19/2023<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101566 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Borrower having Lender Credit of $520, hence rescinding the finding. - Due Diligence Vendor-01/19/2023 |  | Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/25/2023 <br>Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Borrower having Lender Credit of $520, hence rescinding the finding. - Due Diligence Vendor-01/19/2023<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101570 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/26/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023 <br>Open-The Final 1003 is Not Executed The Final 1003 for B2 is Not Executed by LO, please update. Thank you. - Due Diligence Vendor-01/24/2023 | Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/26/2023<br>| AUDIT CONDITIONS(119).pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101570 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Data confirmed and updated. - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023 <br>Open-HTI variance due to Tax amount not matching between 1008 and tax cert, please confirm 1.25%.<br> DTI is not matching due to as per Final 1003 there are two liabilities i.e., SBA Loan and Tesla liabilities are not reflecting in Latest credit report. Hence those two liabilities not considered for DTI calculation. Please update. - Due Diligence Vendor-01/19/2023 | Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| Resolved-Data confirmed and updated. - Due Diligence Vendor-01/25/2023<br>| CPA LETTER - ASSETS(1).pdf<br>BORROWER_SPOUSE CREDIT DOCS_.pdf<br>LOE_(12).pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101567 |  |  | Closed | XXXX | XXXX | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Cure provided for 195 doc prep fee increase - Due Diligence Vendor-01/31/2023 <br>Cured- - Due Diligence Vendor-01/31/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Counter-Thank you for the updated CD, please provide a change of circumstance or cure for the $195 doc prep fee that was added on the initial closing disclosure - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. transfer taxes was lumped in, moved to #E02 - Seller-01/25/2023 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $195.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Doc prep fee was added on the initial closing disclosure, no change of circumstance or cure was provided - Due Diligence Vendor-01/20/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Ready for Review-Document Uploaded. transfer taxes was lumped in, moved to #E02 - Seller-01/25/2023<br>| Cured-Cure provided for 195 doc prep fee increase - Due Diligence Vendor-01/31/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101567 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-01/30/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/30/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Having Lender credit of XXXX hence rescinding the finding. - Due Diligence Vendor-01/20/2023 |  | Resolved-Resolved - Due Diligence Vendor-01/30/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/30/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Having Lender credit of $7,263.75, hence rescinding the finding. - Due Diligence Vendor-01/20/2023<br>|  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101567 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-01/30/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/30/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Having Lender credit of XXXX hence rescinding the finding. - Due Diligence Vendor-01/20/2023 |  | Resolved-Resolved - Due Diligence Vendor-01/30/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/30/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2023 <br>Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Having Lender credit of $7,263.75, hence rescinding the finding. - Due Diligence Vendor-01/20/2023<br>|  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101567 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received updated PCCD, finding resolved - Due Diligence Vendor-01/27/2023 <br>Ready for Review-corrected cd with taxes on seperate line<br> - Seller-01/25/2023 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($5,537.75) exceed the comparable charges ($350.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Transfer tax fee was moved into the recording fee on the revised closing disclosure - Due Diligence Vendor-01/20/2023 | Ready for Review-corrected cd with taxes on seperate line<br> - Seller-01/25/2023<br>| Resolved-Received updated PCCD, finding resolved - Due Diligence Vendor-01/27/2023<br>|  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101567 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/25/2023 <br>Resolved-Document received, data updated - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023 <br>Open-Title Coverage Amount of $940000 is Less than Total Amount of Subject Lien(s) Please provide updated preliminary title report or supplemental report showing corrected coverage<br> - Due Diligence Vendor-01/24/2023 | Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| Resolved-Title Coverage Amount of $968500 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-01/25/2023 <br>Resolved-Document received, data updated - Due Diligence Vendor-01/25/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101569 |  |  | Closed | XXXX | XXXX | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-cure provided for tolerance violation of $5.00 - Due Diligence Vendor-01/31/2023 <br>Cured-Document received, data updated. - Due Diligence Vendor-01/30/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $5.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Final closing disclosure, the transfer tax fee increased to 1408, the initial amount was listed as 1403, lender credits does not state "above legal limit" - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| Cured-cure provided for tolerance violation of $5.00 - Due Diligence Vendor-01/31/2023 <br>Cured-Document received, data updated. - Due Diligence Vendor-01/30/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101569 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-01/30/2023 |  |  |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101569 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Received updated 1003, finding resolved - Due Diligence Vendor-01/26/2023 <br>Ready for Review-Document Uploaded. - Seller-01/26/2023 <br>Open-The Final 1003 is Not Executed Missing Loan Originator Sign in Final 1003 Please Provide Final 1003 with Originator Sign Thank you. - Due Diligence Vendor-01/19/2023 | Ready for Review-Document Uploaded. - Seller-01/26/2023<br>| Resolved-Received updated 1003, finding resolved - Due Diligence Vendor-01/26/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101331 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-ALTA Final settlement statement received and updated to review, resolved. - Due Diligence Vendor-01/26/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023 <br>Open-Property is in dry funding state, required HUD final certified copy. - Due Diligence Vendor-01/20/2023 | Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| Resolved-ALTA Final settlement statement received and updated to review, resolved. - Due Diligence Vendor-01/26/2023<br>| XXXX |  |  | NV | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101571 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/30/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Open-The Final 1003 is Not Executed LO sign is missing in final 1003. Please provide - Due Diligence Vendor-01/20/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/30/2023<br>| AUDIT CONDITIONS(122).pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101571 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | Credit history does not meet guidelines | Waived-Exception page no: 5 credit packg Exception for 5% of their own funds, instead of 10% DUE TO LIVING RENT FREE - Due Diligence Vendor-01/20/2023 |  | Waived-Exception page no: 5 credit packg Exception for 5% of their own funds, instead of 10% DUE TO LIVING RENT FREE - Due Diligence Vendor-01/20/2023<br>|  |  | - RESIDUAL INCOME greater than $1500 (currently $7,387.93)<br> - PERFECT CREDIT PAYMENT HISTORY - no derogatory accounts | CA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101376 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/02/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-TRID: Missing Closing Disclosure Please provided PCCD in File as the Subject Property is in Dry Funding State of CA.<br> - Due Diligence Vendor-01/23/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/02/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101376 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| XXXX | refresh.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101381 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Open-TRID: Missing Closing Disclosure Please provide Post Closing Disclosure since subject property is in Dry fund state CA. - Due Diligence Vendor-01/23/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101544 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/24/2023 <br>Resolved-Finding resolved. Client provided CPA letter dated with 10 days of closing. - Due Diligence Vendor-01/27/2023 <br>Resolved-Finding resolved. Client provided CPA letter dated with 10 days of closing. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VOE of the business within 10 days of Closing Date. Provided Business Search on page#566 date is Missing, Unable to verify whether it is within 10 days of closing date. - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/24/2023 <br>Resolved-Finding resolved. Client provided CPA letter dated with 10 days of closing. - Due Diligence Vendor-01/27/2023 <br>Resolved-Finding resolved. Client provided CPA letter dated with 10 days of closing. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | NJ | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101544 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-02/24/2023 <br>Resolved-Finding Resolved. Client provided AUS & 1008 reflecting the correct income. - Due Diligence Vendor-01/27/2023 <br>Counter-Finding countered due to only partially resolved. Client provided corrected 1008 reflecting income to match p. 456, However p.1 of Final 1003 still reflects incorrect income of $83,310. Please provide corrected page one of Final 1003 reflecting income of $50,000. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Open-Income and Employment Do Not Meet Guidelines Underwriter Considered the Higher Income. Provide Exception document. The 12 month bank statement calculation on page 456 reflects monthly income as $50k, which matches the Initial 1003, however the Final 1003 and 1008 reflect 82,310k monthly. - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-02/24/2023 <br>Resolved-Finding Resolved. Client provided AUS & 1008 reflecting the correct income. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | NJ | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101544 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Finding is resolved, Loan Estimate has been provided. - Due Diligence Vendor-02/03/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Counter-The file does not contain the LE Disclosure for 12/28/22. Please provide LE 12/28/22. The Change of Circumstance on page 286 reflects 12/28/2022 changes of increase to loan amount.<br> (TPR confirms LE: 12/21/22 page 496, Initial CD 1/6/23 provided in findings, Final CD 1/13/23 page 288. Tracking docs start on page 402.) - Due Diligence Vendor-01/31/2023 <br>Ready for Review-Document Uploaded. - Seller-01/31/2023 <br>Open-The Change of Circumstance on page 286 reflects 12/28/2022 changes of increase to loan amount, the file does not contain the LE Disclosure for 12/28/22. (TPR confirms LE: 12/21/22 page 496, Initial CD 1/6/23 provided in findings, Final CD 1/13/23 page 288. Tracking docs start on page 402.) - Due Diligence Vendor-01/30/2023 | Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Ready for Review-Document Uploaded. - Seller-01/31/2023<br>| Resolved-Finding is resolved, Loan Estimate has been provided. - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | NJ | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101544 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Finding resolved. Client provided missing Cd dated 1-6-23. Additional findings may result after input. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure document is missing from file. - Due Diligence Vendor-01/24/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| Resolved-Finding resolved. Client provided missing Cd dated 1-6-23. Additional findings may result after input. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | NJ | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101544 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Residual income requirement not met. | Resolved-Finding resolved. Client provided updated 1008 reflecting back ratio that does not require Residual Income calculation. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Open-If HPML is determined after CE is performed, Residual income will be required. Once we have the missing CD, we run compliance and update this finding accordingly. - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| Resolved-Finding resolved. Client provided updated 1008 reflecting back ratio that does not require Residual Income calculation. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | NJ | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101544 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Finding Resolved. Client provided the rate lock confirmation. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Open-Missing Signed & dated lock and mark the lock missing. - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| Resolved-Finding Resolved. Client provided the rate lock confirmation. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | NJ | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101538 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | XXXX | Ready for Review-Document Uploaded. - Seller-02/09/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| Resolved-Finding is resolved, Income calculation provided for both borrowers. - Due Diligence Vendor-02/09/2023 <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-02/09/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101538 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | XXXX | Ready for Review-Can management please review and confirm if this finding is in fact rescinded like the original deficiency states. - Seller-02/01/2023<br>| XXXX | XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101538 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Deficient condo documentation. | Resolved-Document Uploaded. Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/07/2023 <br>Open-The Condo Questionnaire on page 1000 does not provide the # of investor owned units. The Appraisal on page 727 does not provide the # of investor owned units. This information is relevant per the Guidelines on page 26 of 52 to confirm saturation. (The 7 loans Selene has for this Borrower all contain identical Condo Questionnaire & Appraisal information, all files should be addressed)<br> - Due Diligence Vendor-02/07/2023 |  | Resolved-Document Uploaded. Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101538 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | XXXX |  | Resolved-Document Uploaded. Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101538 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | XXXX |  | XXXX | XXXX |  | Credit Score above minimum by 20 points or greater ; Credit Score 747. <br> DTI below max by 5% or greater ; DTI is 37.06% G/L: 50%<br> Increase in residual income by 10% or greater .<br> 03X30X24 month housing history .<br> PITIA reserves above minimum by 6 months or greater. Required: 6 months/$8,210.14, assets post close: $$393,951.4<br> been there 4 years and the other 10 years. DTI is very low. Home appraised for $50,000 more than purchase price | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101538 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Finding Resolved. Client provided the Initial CD. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Counter-Please provide CD produced on 12/20/2022. Client uploaded Guaranty Agreement. - Due Diligence Vendor-01/26/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023 <br>Open-TRID: Missing Closing Disclosure Per COC on Page 1072 of the file, LE/CD 12/20/2022 is missing from the file. Please provide all missing LE/Cd's. CE to be ran upon receival of missing documents. - Due Diligence Vendor-01/24/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| Resolved-Finding Resolved. Client provided the Initial CD. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101538 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Finding resolved. Client provided Guaranty Agreement. - Due Diligence Vendor-01/26/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023 <br>Open-File closed with a LLC, Personal Guaranty is missing from the file. Please provide. - Due Diligence Vendor-01/24/2023 | Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| Resolved-Finding resolved. Client provided Guaranty Agreement. - Due Diligence Vendor-01/26/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101510 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-BPA Provided by the client. Finding is resolved. - Due Diligence Vendor-01/25/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/25/2023 <br>Ready for Review-Document Uploaded. - Seller-01/25/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure document missing in file. - Due Diligence Vendor-01/24/2023 | Ready for Review-Document Uploaded. - Seller-01/25/2023<br>| Resolved-BPA Provided by the client. Finding is resolved. - Due Diligence Vendor-01/25/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/25/2023<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101374 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | XXXX | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/06/2023<br>| XXXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Lender Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101539 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Finding resolved, income calculation worksheets provided by the client. - Due Diligence Vendor-02/09/2023 <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-02/09/2023 <br>Ready for Review-Document Uploaded. - Seller-02/09/2023 <br>Counter-Cash Flow Analysis provided, please provide income calculation worksheet for both borrowers. - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-Income and Employment Do Not Meet Guidelines Income calculations worksheets are missing from the file, please provide. - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-02/09/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Finding resolved, income calculation worksheets provided by the client. - Due Diligence Vendor-02/09/2023 <br>Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-02/09/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101539 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | XXXX | Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Ready for Review-Can management please review and confirm if this finding is in fact rescinded like it states in the original deficiency? - Seller-02/01/2023<br>| Resolved-Unable to Resolve-Document Uploaded. System Blip- Finding Resolved. - Due Diligence Vendor-02/09/2023 <br>Rescinded-HO-6 Insurance Policy Effective Date of XXXXis after the Note Date of XXXX HOI provided during the holidays, finding is rescinded. - Due Diligence Vendor-01/25/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101539 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Document Uploaded. Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information.<br> - Due Diligence Vendor-02/07/2023 <br>Open-The appraisal signature page 732 reflects Ron Wright, the 7 loans Selene has for the Harper loans have appraisals completed by same Appraiser. Was an exception needed for not following round robin?<br> - Due Diligence Vendor-02/07/2023 |  | Resolved-Document Uploaded. Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information.<br> - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101539 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Deficient condo documentation. | Resolved-Document Uploaded. Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information.<br> - Due Diligence Vendor-02/07/2023 <br>Open-The Condo Questionnaire on page 1000 does not provide the # of investor owned units. The Appraisal on page 727 does not provide the # of investor owned units. This information is relevant per the Guidelines on page 26 of 52 to confirm saturation. (The 7 loans Selene has for this Borrower all contain identical Condo Questionnaire & Appraisal information, all files should be addressed) - Due Diligence Vendor-02/07/2023 |  | Resolved-Document Uploaded. Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information.<br> - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101539 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | XXXX |  | Waived-Document Uploaded. - Due Diligence Vendor-02/03/2023 <br>Waived-Finding Waived. Client provided copy of Lender Exception Approval 1. Borrowers currently own 5 properties that have a mortgage on them. After purchasing these 9 properties that would put them at a total of 14. Asking for exception to keep loan product as Prime Non-Agency on overage of 4 properties. - Due Diligence Vendor-02/02/2023<br>| XXXX |  | Credit Score above minimum by 20 points or greater ; Credit Score 747. <br> DTI below max by 5% or greater ; DTI is 37.06% G/L: 50%<br> Increase in residual income by 10% or greater .<br> 03X30X24 month housing history .<br> PITIA reserves above minimum by 6 months or greater. Required: 6 months/$8,210.14, assets post close: $$393,951.4<br> been there 4 years and the other 10 years. DTI is very low. Home appraised for $50,000 more than purchase price | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101539 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding resolved. XXXX provided by the client. - Due Diligence Vendor-02/01/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-Third Party Fraud Report Partially Provided LP Analysis provided on Page 1326 of the file. Please provide entire XXXX. - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Finding resolved. XXXX provided by the client. - Due Diligence Vendor-02/01/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101539 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Finding resolved. Personal Guarantor provided by the client. - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-Personal Guaranty is missing from the file, please provide.<br> - Due Diligence Vendor-01/24/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Finding resolved. Personal Guarantor provided by the client. - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101332 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | FICO score does not meet guidelines | Resolved-FICO score corrected to 695 on the credit liabilities page, resolved. - Due Diligence Vendor-02/23/2023 <br>Resolved-FICO score corrected to 695 on the credit liabilities page, resolved. - Due Diligence Vendor-02/23/2023 <br>Resolved- - Due Diligence Vendor-02/04/2023 <br>Ready for Review-Hi Erica, per our UW we are using the correct FICO of 695. We use the lower of the 2 mid scores. This is a DSCR loan. DSCR doesn't use the primary wage earner score as there is no income for both borrowers. - Seller-02/02/2023 <br>Open-Per reviewer: Qualifying FICO on the 1008 Page is '695' but the Qualifying FICO from the Credit Liabilities Page is '756'. The FICO entries do not match. May you please confirm the correct Qualifying FICO value. The FICO of Primary Wage Earner does not match with provided 1008 in Page #21 which is considering Lowest FICO of 695. May uou please provide an updated 1008 / updated CBR / LOX ? - Due Diligence Vendor-02/01/2023 | Ready for Review-Hi Erica, per our UW we are using the correct FICO of 695. We use the lower of the 2 mid scores. This is a DSCR loan. DSCR doesn't use the primary wage earner score as there is no income for both borrowers. - Seller-02/02/2023<br>| Resolved-FICO score corrected to 695 on the credit liabilities page, resolved. - Due Diligence Vendor-02/23/2023 <br>Resolved-FICO score corrected to 695 on the credit liabilities page, resolved. - Due Diligence Vendor-02/23/2023<br>|  |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101388 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | XXXX | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/06/2023<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101352 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Closing statement received and updated to review, resolved. - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-Please provide updated HUD-1 with Certified Seal or Stamp as the Subject Property is in Dry Funding State of AZ. - Due Diligence Vendor-01/24/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Closing statement received and updated to review, resolved. - Due Diligence Vendor-02/01/2023<br>| Final SS.pdf |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101393 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-01/27/2023 <br>Ready for Review-Document Uploaded. - Seller-01/27/2023 <br>Open-TRID: Missing Closing Disclosure Please provided PCCD in File as the Subject Property is in Dry Funding State of ID.<br> - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-01/27/2023<br>| XXXX |  |  | ID | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101387 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | XXXX | Ready for Review-Document Uploaded. - Seller-01/31/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101387 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | XXXX | Ready for Review-Document Uploaded. Hi Asha, per our UW the borrower didn't need the Gift. Please see corrected 1003 - Seller-01/31/2023<br>| Resolved-Updated final 1003 with gift amount removed received, resolved. - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101565 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Waived-Exception in file. Comp factors as listed - Due Diligence Vendor-03/03/2023 <br>Waived-DSCR allowed below .75% - required .75% - Due Diligence Vendor-01/27/2023 |  | Waived-Exception in file. Comp factors as listed - Due Diligence Vendor-03/03/2023 <br>Waived-DSCR allowed below .75% - required .75% - Due Diligence Vendor-01/27/2023<br>|  |  | Credit score of 805/actual - Minimum required 660<br> Clean mortgage history for 2+ years - 32 months confirmed | CA | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101565 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/31/2023 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/30/2023 <br>Ready for Review-Document Uploaded. - Seller-01/28/2023 <br>Open-The Final 1003 is Not Executed by LO, please update. - Due Diligence Vendor-01/27/2023 | Ready for Review-Document Uploaded. - Seller-01/28/2023<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/31/2023 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-01/30/2023<br>| XXXX |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101565 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Missing subject property tax certificate | Resolved-Clarification received, data updated. - Due Diligence Vendor-01/30/2023 <br>Ready for Review- UW calculated property taxes 1.25% of purchase price since new purchase - Seller-01/28/2023 <br>Open-Tax certificate is missing, hence considered Tax amount from HUD - Due Diligence Vendor-01/25/2023 | Ready for Review- UW calculated property taxes 1.25% of purchase price since new purchase - Seller-01/28/2023<br>| Resolved-Clarification received, data updated. - Due Diligence Vendor-01/30/2023<br>|  |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101383 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | XXXX | Ready for Review-It should be 708. That was the lower middle of both borrowers and it was locked using 708. The signed 1008 and the NanQ screen all show 708 as well. - Seller-01/31/2023<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/06/2023 <br>Resolved-The client confirmed that the correct score is 708. Resolved. - Due Diligence Vendor-01/31/2023<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101540 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Finding resolved, Credit Report provided by the client. - Due Diligence Vendor-01/31/2023 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/31/2023 <br>Ready for Review-Document Uploaded. - Seller-01/31/2023 <br>Open-Borrower 1 Credit Report is Missing. Please provide Credit Report and any Supplement for B1. - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-01/31/2023<br>| Resolved-Finding resolved, Credit Report provided by the client. - Due Diligence Vendor-01/31/2023 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/31/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101540 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Finding resolved, Credit Report provided by the client. - Due Diligence Vendor-01/31/2023 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/31/2023 <br>Ready for Review-Document Uploaded. - Seller-01/31/2023 <br>Open-Borrower 2 Credit Report is Missing. Please provide Credit Report and any Supplement for B2. - Due Diligence Vendor-01/25/2023 | Ready for Review-Document Uploaded. - Seller-01/31/2023<br>| Resolved-Finding resolved, Credit Report provided by the client. - Due Diligence Vendor-01/31/2023 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/31/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101540 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | XXXX | Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Ready for Review-Based on the multiple loans for this borrower, it appears that this finding has been rescinded due to a holiday. Please have management review and confirm this deficiency. - Seller-02/01/2023<br>| XXXX | XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101540 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | XXXX | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101540 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Deficient condo documentation. | XXXX | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Document Uploaded. - Due Diligence Vendor-02/07/2023 <br>Resolved-Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information. - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101540 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | XXXX |  | XXXX | XXXX |  | Credit Score above minimum by 20 points or greater ; Credit Score 747. <br> DTI below max by 5% or greater ; DTI is 37.06% G/L: 50%<br> Increase in residual income by 10% or greater .<br> 03X30X24 month housing history .<br> PITIA reserves above minimum by 6 months or greater. Required: 6 months/$8,210.14, assets post close: $$393,951.4<br> been there 4 years and the other 10 years. DTI is very low. Home appraised for $50,000 more than purchase price | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101540 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing income documentation (ATR) | Resolved-Finding Resolved, Cash Flow Analysis worksheet and Income Calculation Worksheet has been provided by the client. - Due Diligence Vendor-01/31/2023 <br>Ready for Review-Document Uploaded. - Seller-01/31/2023 <br>Open-File does not contain the Underwritere Income Calculation Worksheets. - Due Diligence Vendor-01/26/2023 | Ready for Review-Document Uploaded. - Seller-01/31/2023<br>| Resolved-Finding Resolved, Cash Flow Analysis worksheet and Income Calculation Worksheet has been provided by the client. - Due Diligence Vendor-01/31/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101540 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Finding is resolved, Personal Guarantor has been provided by the client. - Due Diligence Vendor-01/30/2023 <br>Ready for Review-Document Uploaded. - Seller-01/30/2023 <br>Open-The file closed in an LLC, Personal Guaranty not included in PDF. - Due Diligence Vendor-01/26/2023 | Ready for Review-Document Uploaded. - Seller-01/30/2023<br>| Resolved-Finding is resolved, Personal Guarantor has been provided by the client. - Due Diligence Vendor-01/30/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101540 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved, Third Party Fraud Report provided by the client. - Due Diligence Vendor-01/30/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/30/2023 <br>Ready for Review-Document Uploaded. - Seller-01/30/2023 <br>Open-Third Party Fraud Report Partially Provided File contains LPA p.1145 from XXXX. Please provide complete fraud report. - Due Diligence Vendor-01/26/2023 | Ready for Review-Document Uploaded. - Seller-01/30/2023<br>| Resolved-Finding is resolved, Third Party Fraud Report provided by the client. - Due Diligence Vendor-01/30/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/30/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101351 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender approval sheet received, resolved. - Due Diligence Vendor-01/30/2023 <br>Ready for Review-Document Uploaded. Please see updated with 0.87 - Seller-01/30/2023 <br>Open-Please provide loan program. as per calculation DSCR should be 0.87 however it is showing 0.97 in documents. - Due Diligence Vendor-01/26/2023 | Ready for Review-Document Uploaded. Please see updated with 0.87 - Seller-01/30/2023<br>| Resolved-Lender approval sheet received, resolved. - Due Diligence Vendor-01/30/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101351 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated DSCR worksheet received, resolved. - Due Diligence Vendor-01/30/2023 <br>Ready for Review-Document Uploaded. Please see updated - Seller-01/30/2023 <br>Open-Please provide updated DSCR worksheet and loan program. as per calculation DSCR should be 0.87 however it is showing 0.97 in both documents. - Due Diligence Vendor-01/26/2023 | Ready for Review-Document Uploaded. Please see updated - Seller-01/30/2023<br>| Resolved-Updated DSCR worksheet received, resolved. - Due Diligence Vendor-01/30/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101379 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | XXXX | Ready for Review-Document Uploaded. - Seller-01/27/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-01/30/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101338 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | XXXX | Ready for Review-Document Uploaded. - Seller-01/31/2023<br>| Resolved-Final ALTA settlement statement received and updated to review, resolved. - Due Diligence Vendor-01/31/2023<br>| XXXX |  |  | ID | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101329 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. Leslie, <br> The total payment is $5149.04- based on our 1008 – which is correct in efolder <br>3669.11 <br> 141.01 <br> 1031.5 <br> 307.42 <br> 5149.04 TOTAL SUM <br>I did upload a new dscr worksheet with the revised payment to match all <br> Please advise if you have any other questions. <br>Thank you,<br>- From UW<br> - Seller-01/31/2023<br>| Resolved-Updated DSCR worksheet received. DSCR calculation matches calculation per review, resolved. - Due Diligence Vendor-01/31/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101385 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | XXXX | Ready for Review-Document Uploaded. - Seller-01/31/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101382 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/02/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-TRID: Missing Closing Disclosure Please Provide POST CD, as it is mandatory to have in LSM Dry Funding state (Subject State is CA).<br> - Due Diligence Vendor-01/27/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/02/2023<br>| PCCD.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101382 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | Resolved-Status changed to resolved due to running PC CE report, Non QM loan, rescinded. - Due Diligence Vendor-02/02/2023 <br>Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 8.338%. The APR threshold to qualify for a safe harbor is 7.780%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-02/02/2023 |  | XXXX |  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101382 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Missing documentation evidencing borrower's identity | Resolved-DL for B2 received and updated to 1003 and fraud screens, resolved. - Due Diligence Vendor-01/31/2023 <br>Ready for Review-Document Uploaded. - Seller-01/31/2023 <br>Open-Borrower 2 Photo Identification is missing. - Due Diligence Vendor-01/30/2023 | Ready for Review-Document Uploaded. - Seller-01/31/2023<br>| Resolved-DL for B2 received and updated to 1003 and fraud screens, resolved. - Due Diligence Vendor-01/31/2023<br>| B2 DL.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101382 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Exception Request for limited tradelines when guides state that we do not allow limited tradelines for any loan amount $3.0 and above, Max loan amount for 80% is $3.0, However we have Loan Exception file on page 732. - Due Diligence Vendor-01/27/2023 |  | Waived-Exception Request for limited tradelines when guides state that we do not allow limited tradelines for any loan amount $3.0 and above, Max loan amount for 80% is $3.0, However we have Loan Exception file on page 732. - Due Diligence Vendor-01/27/2023<br>|  |  | Comp Factor #1 Fico 799-79 Points above 720<br>Comp Factor #2 Residual income at least $30,000 a month | CA | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101358 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/02/2023 <br>Ready for Review-Document Uploaded. - Seller-02/02/2023 <br>Open-The 1008 document is missing from the loan file. Calculated FICO is not matching with FICO reflecting in 1008. Please provide updated Credit Report / updated 1008 / LOX for the same. CBR states a score of 696 while 710 is listed as the qualifying score on the 1008 - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-02/02/2023<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/02/2023<br>| 1008.pdf |  |  | TN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101344 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | XXXX | XXXX | Resolved-Final ALTA settlement statement received and updated to review, resolved. - Due Diligence Vendor-02/06/2023<br>|  |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101344 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | XXXX | XXXX | Resolved-Reviewed GLs and per section 8.9.6 – RENT LOSS INSURANCE Rent loss insurance covering a minimum of 6 months PITIA or ITIA is required for the subject property if the property is vacant. The client has advised that rent loss insurance is only required for refinance transactions. Resolved. - Due Diligence Vendor-02/02/2023<br>|  |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101344 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | XXXX | XXXX | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101344 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | XXXX | XXXX | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-02/01/2023 <br>Resolved-The client confirmed that HO-6 is not required if master policy includes walls in coverage. - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101343 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | XXXX | XXXX | Resolved-ALTA Settlement statement from loan xxxx received and updated to assets page, resolved - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | ID | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101343 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | XXXX | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Final closing statement received and updated to review, resolved. - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | ID | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101517 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Finding resolved. LE and CD provided by the client has been uploaded. - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-TRID: Missing Closing Disclosure Please provide TRID: Missing Initial Closing Disclosure. as well as COC supporting for same - Due Diligence Vendor-01/27/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Finding resolved. LE and CD provided by the client has been uploaded. - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101517 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved, Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/30/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/30/2023 <br>Ready for Review-Document Uploaded. - Seller-01/30/2023 <br>Open-Third Party Fraud Report Partially Provided - As we have only one page LPA in file. please provide fraud report - Due Diligence Vendor-01/27/2023 | Ready for Review-Document Uploaded. - Seller-01/30/2023<br>| Resolved-Finding is resolved, Third Party Fraud Report has been provided by the client. - Due Diligence Vendor-01/30/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/30/2023<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101380 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/02/2023 <br>Ready for Review-Document Uploaded. - Seller-02/02/2023 <br>Open-TRID: Missing Closing Disclosure Please provided PCCD in File as the Subject Property is in Dry Funding State of CA.<br> - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-02/02/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/02/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101372 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/02/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Counter-Thank you for providing the final CD, it has been updated to the review and the CE report is passing. May you please provide the PCCD? - Due Diligence Vendor-02/01/2023 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-01/31/2023 <br>Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure dated 1/20 and Post Final Closing Disclosure in file. CA property - Due Diligence Vendor-01/30/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-01/31/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/02/2023 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101372 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-IEAD received and updated to disclosure screen, resolved. - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-01/31/2023 <br>Open-Initial Escrow Disclosure missing in file. - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-01/31/2023<br>| Resolved-IEAD received and updated to disclosure screen, resolved. - Due Diligence Vendor-02/01/2023<br>| Escrow disclosure.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101372 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-01/31/2023 <br>Open-The Deed of Trust is Missing Deed document is missing in File. - Due Diligence Vendor-01/30/2023 | Ready for Review-Document Uploaded. - Seller-01/31/2023<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/01/2023<br>| DOT.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101322 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Loan program sheet received, resolved. - Due Diligence Vendor-02/03/2023 <br>Ready for Review-Document Uploaded. - Seller-02/02/2023 <br>Open-Please Provide Lender Screen print. - Due Diligence Vendor-01/30/2023 | Ready for Review-Document Uploaded. - Seller-02/02/2023<br>| Resolved-Loan program sheet received, resolved. - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101322 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/03/2023 <br>Ready for Review-Document Uploaded. - Seller-02/02/2023 <br>Open-The 1008 document is missing from the loan file. Please provide 1008 Document - Due Diligence Vendor-01/30/2023 | Ready for Review-Document Uploaded. - Seller-02/02/2023<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101522 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | Resolved-Finding resolved, CDA provided by the client. - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-The file does not contain a Desk Review and the UCDP score is N/A due the property type of 2-4 Unit. The CDA invoice is on page 319, Final CD page 182 reflects the 165.00 fee. Please proviide the CDA. - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Finding resolved, CDA provided by the client. - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | KY | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101522 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/01/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-Third Party Fraud Report Partially Provided Please provide complete XXXX. - Due Diligence Vendor-01/30/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/01/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | KY | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101522 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Finding resolved, Personal Guarantor provided by the client. - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-Please provide executed Guaranty Letter. - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Finding resolved, Personal Guarantor provided by the client. - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | KY | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101522 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved. BPA provided by the client. - Due Diligence Vendor-02/01/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Please provide final executed and notarized copy of Business Purpose Affidavit from closing. - Due Diligence Vendor-01/30/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Finding is resolved. BPA provided by the client. - Due Diligence Vendor-02/01/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | KY | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101541 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Compliance | TRID CD disclosure violation; missing closing costs totals on Closing Disclosure. | Resolved-TPR confirms: File does not contain an Initial CD. Final CD page 1118, LE dated 11/30/22 page 1427. Draft CD on page 1106 and 1112. Compliance Ease not performed, Investment transaction. - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Underwriter response: "closing package pulled on 12/22 with cd in package and then title added more changes to cd and revision was sent on 12/23. no CD sent to borrower on 12/22. final cd with package dated 12/23" Please advise. - Seller-02/09/2023 <br>Open-The file contains only the Final CD 12/23/22 page 1118, the Initial LE 11/30/22 page 1427. Draft CD's on pages 1106-1117. - Due Diligence Vendor-02/02/2023 <br>Open-Page 11112 of file reflects CD produced on 12-22-2022 however, it is missing Information and is incomplete. Please provide completed CD produced on 12-22-2022. - Due Diligence Vendor-01/31/2023 | Ready for Review-Underwriter response: "closing package pulled on 12/22 with cd in package and then title added more changes to cd and revision was sent on 12/23. no CD sent to borrower on 12/22. final cd with package dated 12/23" Please advise. - Seller-02/09/2023<br>| XXXX |  |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101541 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | XXXX | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| XXXX | XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101541 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Deficient condo documentation. | XXXX |  | Resolved-Document Uploaded. Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information.<br> - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101541 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | XXXX |  | Resolved-Document Uploaded. Finding Resolved. Condo is Non-Warrantable. Client provided LOX for the missing rental saturation information.<br> - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101541 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | XXXX |  | XXXX | XXXX |  | Credit Score above minimum by 20 points or greater ; Credit Score 747. <br> DTI below max by 5% or greater ; DTI is 37.06% G/L: 50%<br> Increase in residual income by 10% or greater .<br> 03X30X24 month housing history .<br> PITIA reserves above minimum by 6 months or greater. Required: 6 months/$8,210.14, assets post close: $$393,951.4<br> been there 4 years and the other 10 years. DTI is very low. Home appraised for $50,000 more than purchase price | FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101541 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is not executed | Resolved-Finding Resolved, Personal Guarantor provided by the client. - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-The loan closed in an LLC, Personal Guarantor is missing. - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Finding Resolved, Personal Guarantor provided by the client. - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101541 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/01/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-Third Party Fraud Report Partially Provided Please provide complete XXXX, file contains just the LPA p. 1344. - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/01/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101354 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | XXXX | Resolved-Clarification received, DSCR calculation is 1.17, The DSCR calculation includes annual recreational fee. Resolved. - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101354 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | XXXX | XXXX | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101354 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | XXXX | XXXX | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/01/2023<br>|  |  |  | AZ | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101337 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. Please find the final corrected 1003. The home is not a manufactured home and is not mixed-use. The broker checked off the wrong check boxes on the initial 1003 and correction was made. See attached. - Seller-02/01/2023 <br>Open-The Final 1003 is Missing Request for an updated 1003 or clarification on the selections made under Section 4 by the borrower. The borrower has elected to utilize this property for Mixed-User and Manufactured, as per guidelines does not allow Mixed-Use property except Sober Living Homes and Manufactured homes are ineligible as per the guidelines. Appraiser provided comments related to mix use and mobile home on Appraisal page# 80 but no clarification on the same. - Due Diligence Vendor-01/30/2023 | Ready for Review-Document Uploaded. Please find the final corrected 1003. The home is not a manufactured home and is not mixed-use. The broker checked off the wrong check boxes on the initial 1003 and correction was made. See attached. - Seller-02/01/2023<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-02/01/2023<br>| Final 1003.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101405 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/22/2023 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-02/22/2023 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-02/03/2023 <br>Ready for Review-Document Uploaded. Corrected page 1 - Seller-02/03/2023 <br>Open-The Final 1003 is Missing Years in job is greater than Years in Industry for Borrower 1 . Please advise to XXXX employment - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. Corrected page 1 - Seller-02/03/2023<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-02/22/2023 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-02/22/2023 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-02/03/2023<br>| Correct Pg 1.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101405 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/22/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/20/2023 <br>Counter-May I please follow up with you regarding the PCCD? Section H has incorrect disclosure of Proceeds, they appear as fees charged to borrowers. Can you let us know if you can get this corrected? - Due Diligence Vendor-02/17/2023 <br>Ready for Review-Document Uploaded. - Seller-02/16/2023 <br>Counter-Good day, on the PCCD that you have provided, it looks like borrower was charged 3 separate fees of $476695.22 and seller paid these off, if they were proceeds from a different transaction please review and correct the Section H of the PCCD. - Due Diligence Vendor-02/14/2023 <br>Ready for Review-These totals are a division of proceeds. Not sure what you need. - Seller-02/13/2023 <br>Counter-Thank you for providing the PCCD. May I please request clarification on the three "Procceds" fees iao $476,695.22 in section H? - Due Diligence Vendor-02/04/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Open-TRID: Missing Closing Disclosure Please provided PCCD in File as the Subject Property is in Dry Funding State of CA.<br> - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/20/2023 <br>Ready for Review-Document Uploaded. - Seller-02/16/2023 <br>Ready for Review-These totals are a division of proceeds. Not sure what you need. - Seller-02/13/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/22/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101405 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. - Seller-02/02/2023<br>| Resolved-Additional liabilities from gap report updated to credit liabilities page, back end DTI is within 1% of DTI on 1008, resolved. <br> - Due Diligence Vendor-02/03/2023<br>| Refersh.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101392 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/08/2023 <br>Ready for Review-Document Uploaded. - Seller-02/07/2023 <br>Open-The 1008 document is missing from the loan file. The 1008 P&I of $6948.07 does not match the Note P&I of $6874.21. Please provide updated 1008. - Due Diligence Vendor-02/06/2023 | Ready for Review-Document Uploaded. - Seller-02/07/2023<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/08/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101392 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | XXXX | Ready for Review-Document Uploaded. - Seller-02/02/2023<br>| Rescinded-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101357 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | XXXX | Ready for Review-Document Uploaded. - Seller-02/07/2023<br>| Waived-Exception form received from the client.<br>Exception for low loan amount under our minimum loan amount per guidelines, approved to do a $100,000 loan amount. - Due Diligence Vendor-02/08/2023<br>| XXXX |  | Comp Factor #1: FICO 716 - 16 points over 700<br> Comp Factor #2: DSCR 1:1 | CA | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350101357 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | Ready for Review-Document Uploaded. Please see corrected NanQ Screen shot with 1.19 DSCR Ratio - Seller-02/02/2023<br>| Resolved-Loan program sheet received. DSCR score updated on diligence final look page, resolved. - Due Diligence Vendor-02/04/2023<br>| XXXX |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101357 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Final XXXX statement received and updated to review, resolved. - Due Diligence Vendor-02/04/2023 <br>Ready for Review-Document Uploaded. - Seller-02/02/2023 <br>Open-Please provided updated HUD-1 with Certified Seal or Stamp as the Subject Property is in Dry Funding State of CA.<br> - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/02/2023<br>| Resolved-Final XXXX statement received and updated to review, resolved. - Due Diligence Vendor-02/04/2023<br>| XXXX |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101532 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Undisclosed Non-Arm's Length Transaction | Resolved- - Due Diligence Vendor-02/21/2023 <br>Ready for Review-Finding Resolved. The Client provided an updated 1003 with corrected Declaration Question for Business Relationship with the Seller and also the Agent Disclosure for the Contract. - Due Diligence Vendor-02/21/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/21/2023 <br>Open-The Borrower is the Realtor on the Transaction and the Seller is also a Realtor with same RE Company as Borrower. Final 1003 Declaration Questions does not indicate a relationship. The Contract does not acknowledge the relationship or Buyer/Realtor & Seller/Realtor. - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/21/2023<br>|  | XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101532 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Finding Resolved. Client provided updated URAR reflecting 4/5/2018 date of prior transfer. - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Document Uploaded. - Seller-02/10/2023 <br>Open-The Appraisal reflects Date of Prior Sale for the Subject property as 3/9/2022 for $330K. (Title does not validate this date, Title Sch B1 page 420 reflects 11/30/2018) - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/10/2023<br>| Resolved-Finding Resolved. Client provided updated URAR reflecting 4/5/2018 date of prior transfer. - Due Diligence Vendor-02/10/2023<br>| XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101532 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/10/2023 <br>Resolved-Finding resolved, Desk Review provided by the client. - Due Diligence Vendor-02/02/2023 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/02/2023 <br>Ready for Review-Document Uploaded. - Seller-02/02/2023 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 UCDP CU p.225 scored 4.1 of 5, requiring an AVM which is not located in the file. Please provide AVM for secondary valuation. - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-02/02/2023<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/10/2023 <br>Resolved-Finding resolved, Desk Review provided by the client. - Due Diligence Vendor-02/02/2023 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/02/2023<br>| XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101532 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Finding resolved, Updated Credit Report provided by the client. - Due Diligence Vendor-02/07/2023 <br>Ready for Review-Document Uploaded. - Seller-02/07/2023 <br>Open-Housing History Does Not Meet Guideline Requirements The CBR p.158 shows Mortgage account DMI/BMO(5094) was last paid 11/2022, file closed 1/25/23. Please provide proof the Borrower's primary Mortgage was paid prior to closing. - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/07/2023<br>| Resolved-Finding resolved, Updated Credit Report provided by the client. - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101532 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding resolved. XXXX provided by the client. - Due Diligence Vendor-02/02/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/02/2023 <br>Ready for Review-Document Uploaded. - Seller-02/02/2023 <br>Open-Third Party Fraud Report Partially Provided File contains LPA on page 286. Please provide complete XXXX. - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/02/2023<br>| Resolved-Finding resolved. XXXX provided by the client. - Due Diligence Vendor-02/02/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/02/2023<br>| XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101532 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding resolved, personal guarantor provided by the client. - Due Diligence Vendor-02/02/2023 <br>Ready for Review-Document Uploaded. - Seller-02/02/2023 <br>Open-Loan closed in Business Entity however file did not contain Guaranty Agreement. Please provide Borrower executed copy of Guaranty Agreement.<br> - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/02/2023<br>| Resolved-Finding resolved, personal guarantor provided by the client. - Due Diligence Vendor-02/02/2023<br>| XXXX |  |  | IL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101520 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved, The Business Purpose Affidavit has been provided by the client. - Due Diligence Vendor-02/03/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/03/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. BPA Located on Pg. 317 of the file but is not notarized. Please provide Notarized copy from closing. - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-Finding is resolved, The Business Purpose Affidavit has been provided by the client. - Due Diligence Vendor-02/03/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101520 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/03/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/03/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Open-Third Party Fraud Report Partially Provided LP Analysis on Pg.288 , Please provide Third Party Fraud Report. - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/03/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101518 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/01/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/01/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-Third Party Fraud Report Partially Provided LP Analysis provided on Pg.522 of the file, missing Fraud Report. Please provide. - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/01/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/01/2023<br>| XXXX |  |  | ID | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101401 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Post Consummation CD issued improperly | Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/02/2023 <br>Ready for Review-Document Uploaded. - Seller-02/01/2023 <br>Open-Please provide a PCCD for this CA property. Dry funding state - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. - Seller-02/01/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/02/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101347 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/02/2023 <br>Ready for Review-Document Uploaded. Please see updated 1008 showing corrected DSCR Ratio of 1.20 - Seller-02/02/2023 <br>Open-The 1008 document is missing from the loan file. Please provided updated 1008 as there is discrepancy is DSCR calculation. Calculated DSCR 1.20 whereas 1008 reflected 0.90. - Due Diligence Vendor-01/31/2023 | Ready for Review-Document Uploaded. Please see updated 1008 showing corrected DSCR Ratio of 1.20 - Seller-02/02/2023<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/02/2023<br>| XXXX |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101349 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Updated to assets page, resolved. - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Document Uploaded. - Seller-02/10/2023 <br>Open-Unable to verify EMD $46425.00, which is showing on Final HUD. only can Verify $40599 on pages 339, 261, 262, 412, 347. - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/10/2023<br>| Resolved-Updated to assets page, resolved. - Due Diligence Vendor-02/10/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101349 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | XXXX | Resolved-Loan approval with updated DSCR calculation and DSCR worksheet received, resolved. - Due Diligence Vendor-02/06/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101402 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/06/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-Housing History Does Not Meet Guideline Requirements Please provide VOR or Lease agreement borrower is living on rent, as of now Primary Mortgage or Current Rent History verified from source of information page #235 - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/06/2023<br>| VOR-completed.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101402 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $561841 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/06/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-Title Coverage Amount of $556792 is Less than Total Amount of Subject Lien(s) Plese provide Updated Title with the loan amount $561,841 - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Title Coverage Amount of $561841 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/06/2023<br>| UPDATED TC.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101394 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | XXXX | Resolved-The credit liabilities screen has been updated with the negative net rental for the other 2 properties the borrower owns. The back end DTI is in line, resolved. - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101394 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Additional properties in section 3 of the final 1003 provided has been added to the 1003 scree, resolved. - Due Diligence Vendor-02/07/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-The Final 1003 is Incomplete The Final 1003 is missing properties that borrower owns as per the Letter of Explanations on pages 196 and 211. Please provide an updated Final 1003. - Due Diligence Vendor-02/03/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Additional properties in section 3 of the final 1003 provided has been added to the 1003 scree, resolved. - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101542 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Finding resolved, Rate Lock Confirmation provided by the client. - Due Diligence Vendor-02/03/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Open-Please provide missing Rate Lock. - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-Finding resolved, Rate Lock Confirmation provided by the client. - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101542 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Finding Resolved, client provided missing Loan Estimate. - Due Diligence Vendor-02/03/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Open-COC on Pg. 369 reflects a LE/CD dated 12/19/22 that includes an increase of fees. Please provide all LE/CD's for the file. <br> (Confirmed LE/CD's : LE 11/23/22 Pg. 680, CD 1/12/23 Pg.450, CD 1/19/23 Pg. 438 & CD 1/26/23 Pg. 463) Primary MOrtgage Transaction, Compliance Ease to be run upon receipt of all disclosures, additional findings may present. - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-Finding Resolved, client provided missing Loan Estimate. - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101542 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/03/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/03/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Open-Third Party Fraud Report Partially Provided LP Analysis provided on Pg 675. Please provide XXXX. - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/03/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/03/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101542 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | Property Type does not meet eligibility requirement(s) | Waived-Finding Waived. Client provided copy of Lender Exception Approval on Pg. ,789 & 798: Not a Farm. They own 1 horse on the property for their daughter. This property is for personal use only. This is their primary residence. - Due Diligence Vendor-02/01/2023 |  | Waived-Finding Waived. Client provided copy of Lender Exception Approval on Pg. ,789 & 798: Not a Farm. They own 1 horse on the property for their daughter. This property is for personal use only. This is their primary residence. - Due Diligence Vendor-02/01/2023<br>|  |  | No income producing Use, large reserves well over guidelines limit which the cash back provides.<br>Time on Job of 5 years or greater PITIA reserves above minimum by 6 months or greater ; Borrower 10 years in line of work.<br> 0X30X24 month housing history | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101547 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Finding Waived. Loan Approval Exception form uploaded with visible comp factors: Borrower only has been in line of work since 05/2021. Asking for less time to be accepted since guidelines state at least two years of documented employment in same line of work. - Due Diligence Vendor-02/16/2023 <br>Ready for Review-Document Uploaded. - Seller-02/16/2023 <br>Open-The Loan Approval Exception on page 298 is cut off and the compensating factors cannot be viewed. Finding to be waived upon receipt of the comp factors. Please re-upload the Exception form. - Due Diligence Vendor-02/16/2023 <br>Open-The Exception on page 298 is cut off and the compensating factors cannot be viewed. Finding to be waived upon receipt of the comp factors. - Due Diligence Vendor-02/10/2023 <br>Open-Finding Waived. Loan Approval Exception on page 298. Borrower only has been in line of work since 05/2021. Asking for less time to be accepted since guidelines state at least two years of documented employment in the same line of work. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/16/2023<br>| Waived-Finding Waived. Loan Approval Exception form uploaded with visible comp factors: Borrower only has been in line of work since 05/2021. Asking for less time to be accepted since guidelines state at least two years of documented employment in same line of work. - Due Diligence Vendor-02/16/2023<br>| XXXX |  | Credit score above minimum by 20 points or greater: 779 FICO. <br> 0x30x24 n=month housing history<br> PITIA reserves above minimum by 6 months or greater: 14.54 months reserves, $50,700.00 post closing assets. | KY | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101547 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/02/2023 <br>Ready for Review-Document Uploaded. - Seller-02/02/2023 <br>Open-Third Party Fraud Report Partially Provided We have on page LPA in file, please provide complete fraud report - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/02/2023<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/02/2023<br>| XXXX |  |  | KY | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101404 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-IEADS received and updated to review, resolved. - Due Diligence Vendor-02/13/2023 <br>Ready for Review-Document Uploaded. Please see attached IEADS and the First Payment Letter to show that the loan has required impounds. - Seller-02/10/2023 <br>Open-Please provide IEAD in File as the File is Escrowed as per Final CD in Page #163 - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. Please see attached IEADS and the First Payment Letter to show that the loan has required impounds. - Seller-02/10/2023<br>| Resolved-IEADS received and updated to review, resolved. - Due Diligence Vendor-02/13/2023<br>| IEADS and First Payment.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101404 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender approval received, resolved. - Due Diligence Vendor-02/06/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Open-Please provide Lender Screen-Print as it is missing in File. Considered Loan Program Grade as 'A+' with matrix of 12/08/2022 as per 1008 in Page #17 - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-Lender approval received, resolved. - Due Diligence Vendor-02/06/2023<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101335 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/21/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/20/2023 <br>Counter- - Due Diligence Vendor-02/17/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023 <br>Open-The 1008 document is missing from the loan file. Please provide an updated 1008 as the loan approval shows a No Cash Out refinance and the 1008 shows a Limited Cash Out refinance. - Due Diligence Vendor-02/16/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/20/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/21/2023<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101335 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | XXXX | XXXX | Resolved-Clarification received regarding section 8 it is a rent voucher program, it is not considered rent control. Resolved. - Due Diligence Vendor-02/15/2023<br>|  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101335 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | HUD-1 Closing Statement missing or unsigned | Resolved-Final closing statement received and updated to review, resolved. - Due Diligence Vendor-02/07/2023 <br>Ready for Review-Document Uploaded. - Seller-02/03/2023 <br>Open-Provide Certified copy of HUD-1 document, As it is mandatory to have in LSM Dry Funding state (Subject State is CA).<br> - Due Diligence Vendor-02/01/2023 | Ready for Review-Document Uploaded. - Seller-02/03/2023<br>| Resolved-Final closing statement received and updated to review, resolved. - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101389 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | XXXX | XXXX | Resolved-Hazard Insurance Coverage Amount of $ is equal to or greater than Required Coverage Amount of $ or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is '') - Due Diligence Vendor-02/08/2023 <br>Resolved-Clarification from client received. Property insurance screen updated to reflect H0-6 policy and master policy information, resolved. - Due Diligence Vendor-02/07/2023<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101389 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/07/2023 <br>Resolved-Final CD with all pages has been provided, resolved. - Due Diligence Vendor-02/07/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-TRID: Missing Final Closing Disclosure Request for an updated/complete document of the Final Closing Disclosure as the document provided in the package is missing 4th page of the Final Closing Disclosure. Please provide complete file of Final Closing Disclosure. Page-227 - Due Diligence Vendor-02/02/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/07/2023 <br>Resolved-Final CD with all pages has been provided, resolved. - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101548 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Finding is resolved, updated data points. - Due Diligence Vendor-02/07/2023 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($116.00) exceed the comparable charges ($90.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-02/07/2023 |  | Resolved-Finding is resolved, updated data points. - Due Diligence Vendor-02/07/2023<br>|  |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101548 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Finding is resolved, updated data points. - Due Diligence Vendor-02/07/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $177.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The file contains the following disclosures: Final CD 1/30/23 - page324, Initial CD 1/23/23 page 214, LE 3/1/22 page 510. The COC on page 313 and redisclosures are reflected as 5/17/22, 5/19/22, 1/12/2023. Please provide the missing LE/CD's and compliance can be updated. FInalCD does reflect cure of $194.00 as well as a Lender Credit of $2395.40. - Due Diligence Vendor-02/03/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Finding is resolved, updated data points. - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101548 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Points & Fees | XXXX Spread Home Loan Test | Resolved-Finding is resolved, updated data points. - Due Diligence Vendor-02/07/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-This loan failed the XXXX spread home loan test.<br> (NC GS §24-1.1F(a)(7))<br> The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.<br>While the XXXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. Finding will be re-addressed upon receipt of missing LE's/CD's. - Due Diligence Vendor-02/03/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Finding is resolved, updated data points. - Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101548 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/06/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/06/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-Third Party Fraud Report Partially Provided The LPA is on page 503, please provide the XXXX. - Due Diligence Vendor-02/03/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Finding resolved, XXXX provided by the client. - Due Diligence Vendor-02/06/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/06/2023<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101548 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-Finding resolved, SSR provided by the client. - Due Diligence Vendor-02/06/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-The file does not contain the Fannie Mae UCDP SSR Report. Score of 2.5 or greater will require a CDA Desk Review. - Due Diligence Vendor-02/03/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Finding resolved, SSR provided by the client. - Due Diligence Vendor-02/06/2023<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101548 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Rep and Warrant Relief Missing | Resolved-Finding resolved, SSR provided by the client. - Due Diligence Vendor-02/06/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-Collateral Rep and Warrant Relief is Missing in file. - Due Diligence Vendor-02/03/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Finding resolved, SSR provided by the client. - Due Diligence Vendor-02/06/2023<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101548 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Finding resolved, SSR provided by the client. Score 2.2 ; no 2nd evaluation is needed. - Due Diligence Vendor-02/06/2023 <br>Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-02/06/2023 <br>Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-02/06/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. <br> Secondary valuation is not provided in file. - Due Diligence Vendor-02/03/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-Finding resolved, SSR provided by the client. Score 2.2 ; no 2nd evaluation is needed. - Due Diligence Vendor-02/06/2023 <br>Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-02/06/2023 <br>Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-02/06/2023<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101386 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | XXXX | Ready for Review-Document Uploaded. - Seller-02/07/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/08/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101398 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received and updated to review, PC CE report is elevated, resolved.<br>- Due Diligence Vendor-02/07/2023 <br>Ready for Review-Document Uploaded. - Seller-02/06/2023 <br>Open-TRID: Missing Closing Disclosure Please provided PCCD in File as the Subject Property is in Dry Funding State of CA.<br> - Due Diligence Vendor-02/06/2023 | Ready for Review-Document Uploaded. - Seller-02/06/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved.<br>- Due Diligence Vendor-02/07/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101323 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | CLTV/LTV exceeds guidelines | Waived-Maximum LTV approved for 70.30% whereas maximum LTV as per Guidelines is 70%. However, LTV in File is 70% which is within the maximum LTV requirements. Hence, Rescinded the Finding. Exception Document is in Page #413 - Due Diligence Vendor-02/03/2023 |  | Waived-Maximum LTV approved for 70.30% whereas maximum LTV as per Guidelines is 70%. However, LTV in File is 70% which is within the maximum LTV requirements. Hence, Rescinded the Finding. Exception Document is in Page #413 - Due Diligence Vendor-02/03/2023<br>|  |  | Compensating Factors as below - <br> 1. Reserves at least 3 months - Calculated Reserves as per File is 10.63 months<br> 2. Mortgage on recently sold Property 0\*30\*7 - Related LOX is in Page #133 | WI | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101323 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/08/2023 <br>Ready for Review-Document Uploaded. - Seller-02/08/2023 <br>Open-The Initial 1003 is Missing Please provide Initial 1003 as it is missing in File - Due Diligence Vendor-02/03/2023 | Ready for Review-Document Uploaded. - Seller-02/08/2023<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/08/2023<br>| XXXX |  |  | WI | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101323 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/08/2023 <br>Ready for Review-Document Uploaded. - Seller-02/08/2023 <br>Open-The 1008 document is missing from the loan file. Please provide updated 1008 as File has discrepancy in -<br> 1. Loan amount is not matching with Note Doc<br> 2. Reserves not matching with Lender Screen-Print<br> - Due Diligence Vendor-02/03/2023 | Ready for Review-Document Uploaded. - Seller-02/08/2023<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/08/2023<br>| XXXX |  |  | WI | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101323 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $147630 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/08/2023 <br>Ready for Review-Document Uploaded. - Seller-02/08/2023 <br>Open-Title Coverage Amount of $147000 is Less than Total Amount of Subject Lien(s) Please provide updated Title Report / Supplemantal Title Report that covers Loan amount as current Coverage amount in Title Report is not covering the loan amount - Due Diligence Vendor-02/03/2023 | Ready for Review-Document Uploaded. - Seller-02/08/2023<br>| Resolved-Title Coverage Amount of $147630 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/08/2023<br>| XXXX |  |  | WI | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101328 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received and updated to review, resolved. - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Document Uploaded. No worries, please see attached - Seller-02/08/2023 <br>Counter-Hi Nghia, may you please provide the initial CD? My apologies for the error. - Due Diligence Vendor-02/08/2023 <br>Ready for Review-Document Uploaded. Hi Kristen, the PCCD is the one dated 1/17 on pages 224-228 of the package. I have also attached it here. - Seller-02/07/2023 <br>Open-TRID: Missing Closing Disclosure Provide post-consummation closing disclosure, since it is required for LSM Dry Fund States (Subject State is CA). - Due Diligence Vendor-02/03/2023 | Ready for Review-Document Uploaded. No worries, please see attached - Seller-02/08/2023 <br>Ready for Review-Document Uploaded. Hi Kristen, the PCCD is the one dated 1/17 on pages 224-228 of the package. I have also attached it here. - Seller-02/07/2023<br>| Resolved-PCCD received and updated to review, resolved. - Due Diligence Vendor-02/10/2023<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101406 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | CLTV/LTV exceeds guidelines | Waived-Exception approves for 70%LTV whereas Max LTV as per guideline is 65% as per exception document. But as per matrix 12/08/2022 max LTV For investment non DSCR is 85% - minus 5% for cash out refinance is 80% (which is >70%) Hence rescinded this finding. Exception document is on page #743 - Due Diligence Vendor-02/06/2023 |  | Waived-Exception approves for 70%LTV whereas Max LTV as per guideline is 65% as per exception document. But as per matrix 12/08/2022 max LTV For investment non DSCR is 85% - minus 5% for cash out refinance is 80% (which is >70%) Hence rescinded this finding. Exception document is on page #743 - Due Diligence Vendor-02/06/2023<br>|  |  | 1. FICO 785-65 points above 720 - as per file FICO is 785<br>2. Residual income at least $100,000 - as per file Residual Income is $109,063.16<br>3. Reserve at least 10 months - as per file Reserve is 119.02 | CA | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101406 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Completed Business Purpose Affidavit received and updated to BP approvals and GLs screen, resolved - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/13/2023 <br>Open-Please provide a copy of the Business Purpose Affidavit with the occupancy section completed and initialed - Due Diligence Vendor-02/09/2023 | Ready for Review-Document Uploaded. - Seller-02/13/2023<br>| Resolved-Completed Business Purpose Affidavit received and updated to BP approvals and GLs screen, resolved - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101353 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR worksheet with corrected DSCR calculation received, resolved. - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Document Uploaded. - Seller-02/09/2023 <br>Open-DSCR discrepancy because We are off by .02. Looks like the HOA fee may have been incorrectly inputted as yearly on the appraisal as the monthly payment is off around 20 dollars. Final 1003 Shows 22.09/month for HOA fees and we have 1.75. Need an updated DSCR calculation sheet. - Due Diligence Vendor-02/08/2023 | Ready for Review-Document Uploaded. - Seller-02/09/2023<br>| Resolved-DSCR worksheet with corrected DSCR calculation received, resolved. - Due Diligence Vendor-02/10/2023<br>| XXXX |  |  | MO | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101529 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved- - Due Diligence Vendor-02/15/2023 <br>Ready for Review-Finding Resolved. Client provided Underwriter response: they used updated taxes as a conservative, prudent approach, tape data does not contain the DSCR ratio. Client 1.12%, TPR 1.69%. Notes for non-matching DSCR ratio added to system. Applies to Findings A-FCRE4244 & 2281. - Due Diligence Vendor-02/15/2023 <br>Ready for Review-Underwriter Response: "Confused on your updated condition .. we qualified this borrower using the higher taxes and full payment with a DSCR of 1.12 <br> Why do we need to update the 1008 and DSCR worksheet to show the higher DSCR of 1.69<br> When we are more conservative than the calculated amount, we should be fine, and loan should be saleable." Please advise. - Seller-02/15/2023 <br>Counter-Finding Countered. Please provide the DSCR calculation used for the transaction. - Due Diligence Vendor-02/13/2023 <br>Counter- - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Finding Countered. Pleae provide the DSCR calculation used for the transaction. - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Underwriter Response: "Qualifying taxes can be different from actual taxes collected by closing .. we would not lower the tax amount on our 1008 or AUS (depending on product) as we qualified the borrower with higher taxes." Please advise if this will satisfy the deficiency. - Seller-02/10/2023 <br>Open-Monthly Property Taxes Provided in 1008 on page 28 which is $158.33 does not match with the monthly taxes provided in Final CD page 104 which is $13.83, kindly provide updated 1008 with correct monthly taxes amount. The Initial Escrow Account Disclosure page 305 reflects the taxes as 165.92 / 12 = 13.83, the estimated tax on page 468 relfects $1900/ 12 = 158.33. Typically the updated tax status amount is not used for DSCR. - Due Diligence Vendor-02/06/2023 | Ready for Review-Underwriter Response: "Confused on your updated condition .. we qualified this borrower using the higher taxes and full payment with a DSCR of 1.12 <br> Why do we need to update the 1008 and DSCR worksheet to show the higher DSCR of 1.69<br> When we are more conservative than the calculated amount, we should be fine, and loan should be saleable." Please advise. - Seller-02/15/2023 <br>Ready for Review-Underwriter Response: "Qualifying taxes can be different from actual taxes collected by closing .. we would not lower the tax amount on our 1008 or AUS (depending on product) as we qualified the borrower with higher taxes." Please advise if this will satisfy the deficiency. - Seller-02/10/2023<br>|  |  |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101529 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Finding Resolved. Client provided Underwriter response: they used updated taxes as a conservative, prudent approach, tape data does not contain the DSCR ratio. Client 1.12%, TPR 1.69%. Notes for non-matching DSCR ratio added to system. Applies to Findings A-FCRE4244 & 2281. - Due Diligence Vendor-02/15/2023 <br>Ready for Review-Underwriter Response: "Confused on your updated condition .. we qualified this borrower using the higher taxes and full payment with a DSCR of 1.12 <br> Why do we need to update the 1008 and DSCR worksheet to show the higher DSCR of 1.69<br> When we are more conservative than the calculated amount, we should be fine, and loan should be saleable." Please advise. - Seller-02/15/2023 <br>Counter-Finding Countered. Please provide the DSCR calculation. - Due Diligence Vendor-02/13/2023 <br>Counter-Finding Countered. Please provide the DSCR calculation. - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Underwriter response: "We do not qualify the borrower on interest only payments, Qualifying taxes can be different than actual taxes and we do not lower the tax amount on our 1008, the borrower was qualified using the higher tax amount" Please advise if this will clear the deficiency. - Seller-02/10/2023 <br>Open-The Final 1008 reflects the Principal & Interest payment, TPR calculates the DSCR ratio using Only the Interest payment. (Due to the Loan Program of 10 Year Interest Only). The 1008 reflects the New Estimated Property Tax Amount of $158.33/$1900.00 annual, per page 468. TPR calculates the Monthly Tax amount per the Tax Cert page 465. TPR DSCR ratio is 1.69%. Interest Only 617.50 + Insurance 77.29 + Taxes 13.83 = 708.62. Market Rent $1200.00 / 708.62 = 1.69%. Please confirm the use of the I/O payment and lower monthly tax used for Investment transactions as opposed to the more prudent usage of the higher tax amount and fully amortized Princial & Interest payment. - Due Diligence Vendor-02/06/2023 | Ready for Review-Underwriter Response: "Confused on your updated condition .. we qualified this borrower using the higher taxes and full payment with a DSCR of 1.12 <br> Why do we need to update the 1008 and DSCR worksheet to show the higher DSCR of 1.69<br> When we are more conservative than the calculated amount, we should be fine, and loan should be saleable." Please advise. - Seller-02/15/2023 <br>Ready for Review-Underwriter response: "We do not qualify the borrower on interest only payments, Qualifying taxes can be different than actual taxes and we do not lower the tax amount on our 1008, the borrower was qualified using the higher tax amount" Please advise if this will clear the deficiency. - Seller-02/10/2023<br>| Resolved-Finding Resolved. Client provided Underwriter response: they used updated taxes as a conservative, prudent approach, tape data does not contain the DSCR ratio. Client 1.12%, TPR 1.69%. Notes for non-matching DSCR ratio added to system. Applies to Findings A-FCRE4244 & 2281. - Due Diligence Vendor-02/15/2023<br>|  |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101529 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Property | Property Damage | Resolved- - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Finding Resolved. Escrow Agreement on page 319 not siged and dated by Borrower, Client provided email /LOX for the repairs. - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Document Uploaded. Underwriter response: "this loan was approved on the condition that the repairs were completed after close but PRIOR to selling to the investor." Please advise if this will satisfy the deficiency. - Seller-02/10/2023 <br>Open-The file contains Email Communication on page 319 pertaining to an Exception for the property repairs to be completed and approval of escrow holdback, file is missing the Loan Approval Exception form. Finding to be waived. - Due Diligence Vendor-02/07/2023 | Ready for Review-Document Uploaded. Underwriter response: "this loan was approved on the condition that the repairs were completed after close but PRIOR to selling to the investor." Please advise if this will satisfy the deficiency. - Seller-02/10/2023<br>|  | XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101529 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved,Third Party Fraud Report has been provided. - Due Diligence Vendor-02/09/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/09/2023 <br>Ready for Review-Document Uploaded. - Seller-02/09/2023 <br>Open-Third Party Fraud Report Partially Provided Loan Participant Analysis on Page 312 & Sam Search results are on Page 452, kindly provide full report. - Due Diligence Vendor-02/06/2023 | Ready for Review-Document Uploaded. - Seller-02/09/2023<br>| Resolved-Finding is resolved,Third Party Fraud Report has been provided. - Due Diligence Vendor-02/09/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/09/2023<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101526 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Certificate of Good Standing Document is missing | Resolved-Finding Resolved. Client provided the IRS Form 8879-PE reflecting the EIN number. - Due Diligence Vendor-02/21/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/21/2023 <br>Counter-Finding Countered. Client contact for resolution, example of EIN # provided. - Due Diligence Vendor-02/15/2023 <br>Ready for Review-The Business Entity ID Number appears on the right side of the page. Please advise if this will suffice. - Seller-02/15/2023 <br>Counter-Client provided Business Entity Search but the EIN was not provided. Please provide EIN Number from the IRS. - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-The file closed in an LLC and the EIN from IRS is not in the file. - Due Diligence Vendor-02/07/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/21/2023 <br>Ready for Review-The Business Entity ID Number appears on the right side of the page. Please advise if this will suffice. - Seller-02/15/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Finding Resolved. Client provided the IRS Form 8879-PE reflecting the EIN number. - Due Diligence Vendor-02/21/2023<br>| XXXX |  |  | KS | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101526 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Client provided 1008 with correct DSCR, finding is resolved. - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-The final 1008 on page 23 reflects the DSCR ratio as 1.24%, however the file contains a lease on page 319-328 that ended 9/21/2022 and was $1300.00 monthly. The Appraisal on page 56 reflects the monthly rental amount as $1350.00 and is tenant occupied. DSCR ratio based on the current monthly rent as opposed to market rent: $1350 / 1124.06 = 1.20%. Please confirm if theusage of the Market Rent or lower monthly rent is to be used for the DSCR calculation. - Due Diligence Vendor-02/07/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Client provided 1008 with correct DSCR, finding is resolved. - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | KS | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101526 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Personal Guarnaty provided by the client, finding is resolved. - Due Diligence Vendor-02/13/2023 <br>Ready for Review-Document Uploaded. - Seller-02/13/2023 <br>Open-File closed in an LLC, missing the Personal Guaranty signed at closing. - Due Diligence Vendor-02/07/2023 | Ready for Review-Document Uploaded. - Seller-02/13/2023<br>| Resolved-Personal Guarnaty provided by the client, finding is resolved. - Due Diligence Vendor-02/13/2023<br>| XXXX |  |  | KS | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101526 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Credit | Credit history does not meet guidelines | Waived-Loan Approval Exception on page 260: Borrower has 1 x30 day late on a HELOC in the last 12 months. Primary Residence Additional notes attached in email\*\* Borrower had made payment on time but was unaware of rate increase so payment was short roughly $20 or less<br> - Due Diligence Vendor-02/06/2023 |  | Waived-Loan Approval Exception on page 260: Borrower has 1 x30 day late on a HELOC in the last 12 months. Primary Residence Additional notes attached in email\*\* Borrower had made payment on time but was unaware of rate increase so payment was short roughly $20 or less<br> - Due Diligence Vendor-02/06/2023<br>|  |  | <br> Compensating Factors -<br> Credit Score above minimum by 20 points or greater: 700 score required, 741 FICO<br> DTI below max by 5% or greater<br> Increase in residual income by 10% or greater<br> 0X30X24 month housing history<br> PITIA reserves above minimum by 6 months or greater - $6744.42 required, $67,211.19 reserves post closing.<br>Borrower is a seasoned investor that currently owns 8 rentals. 57+ months reserves, 740+ median credit score. 1.245 DSCR | KS | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101346 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/14/2023 <br>Resolved-Missing page 8 Section 6 received, page 9 section 8 that the borrower signed is in the loan package, resolved. - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. Here is page 8 and she actually signed on page 9 - Seller-02/14/2023 <br>Counter-Section 6 is on page 8 of the 1003 document. May you please provide page 8 of the final 1003? - Due Diligence Vendor-02/13/2023 <br>Ready for Review-Document Uploaded. - Seller-02/10/2023 <br>Open-The Final 1003 is Incomplete Please provide complete final 1003, Section 6 page is missing from final 1003. - Due Diligence Vendor-02/07/2023 | Ready for Review-Document Uploaded. Here is page 8 and she actually signed on page 9 - Seller-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/10/2023<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-02/14/2023 <br>Resolved-Missing page 8 Section 6 received, page 9 section 8 that the borrower signed is in the loan package, resolved. - Due Diligence Vendor-02/14/2023<br>| Page 7.pdf<br>PAGE 9.pdf<br>PAGE 8.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101346 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Exception Approved for seasoning for cash out loan, 4 months seasoning. Exception is on page #457 - Due Diligence Vendor-02/07/2023 |  | Waived-Exception Approved for seasoning for cash out loan, 4 months seasoning. Exception is on page #457 - Due Diligence Vendor-02/07/2023<br>|  |  | #1 DSCR at least 1.03 - as per calculated DSCR is 1.18

#2 LTV is under 5% LTV of max cash out - calculated LTV is 75%

#3 mortgage on credit 0x30x19, 0x30x25, 0x30x84 - Calculated 8 mortgage with no late payment | FL | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101375 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | XXXX | XXXX | Resolved-Updated final 1003 received and updated to review, resolved. - Due Diligence Vendor-02/10/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101375 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Missing purchase contract and/or addendums. | Resolved-Purchase contract addendum received, property page updated, resolved. - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Document Uploaded. - Seller-02/09/2023 <br>Open-Provide purchase contract addendum for Updated sales price of $379000. - Due Diligence Vendor-02/07/2023 | Ready for Review-Document Uploaded. - Seller-02/09/2023<br>| Resolved-Purchase contract addendum received, property page updated, resolved. - Due Diligence Vendor-02/10/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101390 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | XXXX | Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/13/2023<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/15/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101524 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/21/2023 <br>Resolved-Finding Resolved. Client provided an updated 1003 with corrected Declaration Question. - Due Diligence Vendor-02/21/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/21/2023 <br>Ready for Review-Document Uploaded. - Seller-02/21/2023 <br>Open-The FInal 1003 page 6: Section 5 Declarations: Question B If this is a Purchase transaction, do you have a Business affiliation with Seller. No was the response. The Borrower is the Real Estate Agent on the transaction. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/21/2023 <br>Ready for Review-Document Uploaded. - Seller-02/21/2023<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-02/21/2023 <br>Resolved-Finding Resolved. Client provided an updated 1003 with corrected Declaration Question. - Due Diligence Vendor-02/21/2023<br>| XXXX |  |  | AL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101524 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Finding is resolved, Comment on Pg. 5 clarifies gross adjustments. - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-The Appraisal on page 55 reflects Comp #2 with a 47.5% gross adjsutment. Appraisal does not contain an addendum with comments pertaining to this adjustment. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Finding is resolved, Comment on Pg. 5 clarifies gross adjustments. - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | AL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101524 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Finding is resolved, client provided dscr calculation using the lower rental income from the Appraisal. - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-DSCR calculation is not given in provided 1008, however the file contains a lease for Unit #1 on page #373 that ended 01/31/2023 and was $700 monthly, Unit #2 on page#413 that ended 08/31/2023 and was $750 monthly, #3 on page#493 that ended 05/31/2023 and was $650 monthly, #4 on page#457 that ended 11/30/2022 and was $675 monthly this Unit #4 lease agreement has been expired, hence considered rental income from Third party Market Rent 1025 monthly rental income from all 4 Units # $2775/ monthly PITI $1973.46 = 1.41 DSCR calculation. - Due Diligence Vendor-02/08/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Finding is resolved, client provided dscr calculation using the lower rental income from the Appraisal. - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | AL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101524 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/14/2023 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/14/2023 <br>Resolved-Finding is resolved, 1008 provided by client with the correct FICO of 765. - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-1008 Document is Missing zThe 1008 on page 23 reflects an inaccurate FICO score of 771. Credit report on page 163 dated 1/27/23 does fnot include a FICO of 771. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/14/2023 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/14/2023 <br>Resolved-Finding is resolved, 1008 provided by client with the correct FICO of 765. - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | AL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101524 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | Resolved-Unable to Resolve-Finding Resolved. Client provided the Desk Review. - Due Diligence Vendor-02/13/2023 <br>Unable to Resolve-Unable to Resolve-Finding Resolved. Client provided the Desk Review. - Due Diligence Vendor-02/13/2023 <br>Ready for Review-Document Uploaded. - Seller-02/13/2023 <br>Open-CU score is not available in the given SSR report as property type is 2-4 unit. Please provide valid secondary valuation. - Due Diligence Vendor-02/08/2023 | Ready for Review-Document Uploaded. - Seller-02/13/2023<br>| Resolved-Unable to Resolve-Finding Resolved. Client provided the Desk Review. - Due Diligence Vendor-02/13/2023<br>| XXXX |  |  | AL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101524 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/13/2023 <br>Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-02/13/2023 <br>Ready for Review-Document Uploaded. - Seller-02/13/2023 <br>Open-Missing Third Party Fraud Report Fraud Report missing in file. - Due Diligence Vendor-02/08/2023 | Ready for Review-Document Uploaded. - Seller-02/13/2023<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/13/2023 <br>Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-02/13/2023<br>| XXXX |  |  | AL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101524 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding Resolved. Client provided the Personal Guaranty signed at closing. - Due Diligence Vendor-02/13/2023 <br>Ready for Review-Document Uploaded. - Seller-02/13/2023 <br>Open-Guarantor Recourse Document is missing in file. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/13/2023<br>| Resolved-Finding Resolved. Client provided the Personal Guaranty signed at closing. - Due Diligence Vendor-02/13/2023<br>| XXXX |  |  | AL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101345 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of 02-02-2024 is after the Note Date of 02-02-2023 Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-02/10/2023 <br>Ready for Review-Document Uploaded. - Seller-02/10/2023 <br>Open-Hazard Insurance Expiration Date of 02-02-2023 is prior to or equal to the Note Date of 02-02-2023 Please provide updated insurance document as insurance document reflecting effective date as 02/02/2023 and expiration date 02/02/2023 - Due Diligence Vendor-02/08/2023 | Ready for Review-Document Uploaded. - Seller-02/10/2023<br>| Resolved-Hazard Insurance Expiration Date of 02-02-2024 is after the Note Date of 02-02-2023 Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-02/10/2023<br>| XXXX |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101395 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/13/2023 <br>Ready for Review-Document Uploaded. The Final 1003 is on page 88-97 of the attached part 2 - Seller-02/10/2023 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-02/09/2023 | Ready for Review-Document Uploaded. The Final 1003 is on page 88-97 of the attached part 2 - Seller-02/10/2023<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-02/13/2023<br>| XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101395 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | XXXX | XXXX | Resolved-Gap report updated to review, back end DTI per review calculations s within 1% of DTI per 1008,resolved. - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101395 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/13/2023 <br>Ready for Review-Document Uploaded. So sorry, not sure why part 2 didn't get uploaded. The Final CD is on page 2-7 of the attached part 2. - Seller-02/10/2023 <br>Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-02/09/2023 | Ready for Review-Document Uploaded. So sorry, not sure why part 2 didn't get uploaded. The Final CD is on page 2-7 of the attached part 2. - Seller-02/10/2023<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/13/2023<br>| XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101395 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-IEADS updated to disclosure page, resolved. - Due Diligence Vendor-02/13/2023 <br>Ready for Review-Document Uploaded. Sorry, IEAD is on page 52-53 of the attached part 2 - Seller-02/10/2023 <br>Open-IEAD document is missing. - Due Diligence Vendor-02/09/2023 | Ready for Review-Document Uploaded. Sorry, IEAD is on page 52-53 of the attached part 2 - Seller-02/10/2023<br>| Resolved-IEADS updated to disclosure page, resolved. - Due Diligence Vendor-02/13/2023<br>| XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101395 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/13/2023 <br>Ready for Review-Document Uploaded. The DOT is on page 21-32 of the attached part 2 - Seller-02/10/2023 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-02/09/2023 | Ready for Review-Document Uploaded. The DOT is on page 21-32 of the attached part 2 - Seller-02/10/2023<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/13/2023<br>| XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101395 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-02/13/2023 <br>Ready for Review-Document Uploaded. The note is on page 17-19 of the attached part 2 - Seller-02/10/2023 <br>Open-The Note is Missing - Due Diligence Vendor-02/09/2023 | Ready for Review-Document Uploaded. The note is on page 17-19 of the attached part 2 - Seller-02/10/2023<br>| Resolved-The Note is Present - Due Diligence Vendor-02/13/2023<br>| XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101410 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Master settlement statement received and updated to review, resolved. - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/13/2023 <br>Open-Please provided updated HUD-1 with Certified Seal or Stamp as the Subject Property is in Dry Funding State of CA.<br> - Due Diligence Vendor-02/09/2023 | Ready for Review-Document Uploaded. - Seller-02/13/2023<br>| Resolved-Master settlement statement received and updated to review, resolved. - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101378 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/24/2023 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/14/2023 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-The Initial 1003 is Missing Request an updated Initial 1003 as the Loan Originator information page on 20, 28 is missing the sign date of Loan Originator. Please provide complete signed form for the Initial 1003 on the same with LO sign date. - Due Diligence Vendor-02/09/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/24/2023 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/14/2023 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/14/2023<br>| lo date.pdf<br>log sig date.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101378 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/24/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/23/2023 <br>Open-TRID: Missing Closing Disclosure Property is in dry funding state. Provide PCCD. - Due Diligence Vendor-02/09/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/23/2023<br>| Resolved-PCCD received and updated to review, PC CE report is elevated, resolved. - Due Diligence Vendor-02/24/2023<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101378 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. The client provided clarification from the underwriter for this transaction regarding the FICO score used to qualify the borrowers, FICO score for credit liabilities page updated to 662, resolved. - Due Diligence Vendor-02/16/2023 <br>Ready for Review-Hi Leslie<br> Our guidelines allow us to use higher wage earner Fico for better pricing purpose, if applicable, but is it NOT a must <br> The lower Fico 662 was used as even if using 679 it is same pricing, at that time <br> Grade won't change because of Fico still as approved Grade A only <br> - From UW - Seller-02/16/2023 <br>Counter-May I please follow up on this finding? Per Owner-occupied and Second Home Underwriting GLs section 5.10 – CREDIT SCORE pg 36, for multiple borrowers we are to use the Decision Score for the primary wage earner for a Full Doc or Alt-Doc loans. - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Thats because they go with the middle score - Seller-02/14/2023 <br>Open-The 1008 document is missing from the loan file. Request to Provide, clarification for the FICO Score, as per 1008 Page 33, The FICO Score is 662 but Credit Page is showing FICO as 679. - Due Diligence Vendor-02/09/2023 | Ready for Review-Hi Leslie<br> Our guidelines allow us to use higher wage earner Fico for better pricing purpose, if applicable, but is it NOT a must <br> The lower Fico 662 was used as even if using 679 it is same pricing, at that time <br> Grade won't change because of Fico still as approved Grade A only <br> - From UW - Seller-02/16/2023 <br>Ready for Review-Thats because they go with the middle score - Seller-02/14/2023<br>| Resolved-The 1008 document is present in the loan file. The client provided clarification from the underwriter for this transaction regarding the FICO score used to qualify the borrowers, FICO score for credit liabilities page updated to 662, resolved. - Due Diligence Vendor-02/16/2023<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101525 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/16/2023 <br>Resolved-Finding is resolved, third party report has been provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-Third Party Fraud Report Partially Provided We have only one page LPA, please provide complete fraud report - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/16/2023 <br>Resolved-Finding is resolved, third party report has been provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | MS | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101525 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Finding is resolved, BPA provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The Business Purpose Affidavit on page 421 is missing page 2. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Finding is resolved, BPA provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | MS | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101525 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-02/16/2023 <br>Ready for Review-Document Uploaded. - Seller-02/16/2023 <br>Open-The Note is Missing - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/16/2023<br>| Resolved-The Note is Present - Due Diligence Vendor-02/16/2023<br>| XXXX |  |  | MS | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101525 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Information updated. Findings resolved. - Due Diligence Vendor-02/15/2023 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/15/2023 <br>Ready for Review-Please elaborate on why this deficiency is still Open. Is the document submitted not sufficient or does it need to be corrected in some way. Please advise. - Seller-02/15/2023 <br>Open- - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-02/10/2023 | Ready for Review-Please elaborate on why this deficiency is still Open. Is the document submitted not sufficient or does it need to be corrected in some way. Please advise. - Seller-02/15/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Information updated. Findings resolved. - Due Diligence Vendor-02/15/2023 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/15/2023<br>| XXXX |  |  | MS | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101525 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Data updated. Finding resolved. - Due Diligence Vendor-02/15/2023 <br>Ready for Review-Document Uploaded. - Seller-02/15/2023 <br>Open-The 1008 on page 11 reflects an incorrect loan amount, LTV and DSCR ratio. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/15/2023<br>| Resolved-Data updated. Finding resolved. - Due Diligence Vendor-02/15/2023<br>| XXXX |  |  | MS | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101525 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-1008 screen and final diligence screen updated per new 1008. DSCR in line. - Due Diligence Vendor-02/15/2023 <br>Ready for Review-Document Uploaded. - Seller-02/15/2023 <br>Open-The 1008 on page 11 reflects the DSCR ratio as 1.10%, however the loan amount reflects $125,625.00, TPR confirms loan amount as $117,250.00. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/15/2023<br>| Resolved-1008 screen and final diligence screen updated per new 1008. DSCR in line. - Due Diligence Vendor-02/15/2023<br>| XXXX |  |  | MS | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101525 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Finding is resolved, CDA provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Finding is resolved, CDA provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | MS | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101525 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding is resolved, Personal Guaranty provided bby the client. - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-File closed in an LLC, Personal Guarantor is not in the file. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Finding is resolved, Personal Guaranty provided bby the client. - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | MS | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101549 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | XXXX | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Finding is resolved, UW Attestation provided by the client. - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101549 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Finding is resolved, CDA provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score is 3.3. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Finding is resolved, CDA provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101549 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Updated data points, finding is resolved. - Due Diligence Vendor-02/14/2023 <br>Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-All Interested Parties Not Checked with Exclusionary Lists File is missing the XXXX. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Updated data points, finding is resolved. - Due Diligence Vendor-02/14/2023 <br>Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101549 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Finding is resolved, XXXX provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-Missing Third Party Fraud Report Fraud Report is Missing From File. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Finding is resolved, XXXX provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101549 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-OFAC Check Not Completed and/or Cleared File is missing the XXXX. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101350 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Final consolidated closing statement received and updated to review, resolved. - Due Diligence Vendor-02/17/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023 <br>Counter-Thank you for providing the consolidated closing statement. May I please follow up with you on this document? At the bottom of the page advises this document is an estimate that these figures are subject to change. Are these the final numbers? - Due Diligence Vendor-02/17/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023 <br>Open-May you please also provide a HUD/Settlement statement that includes the gift of equity? The HUD on file does not document the gift of equity as the borrower's down payment. - Due Diligence Vendor-02/15/2023 <br>Open-Property is in dry funding state. Provided HUD Final Certified Copy. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023<br>| Resolved-Final consolidated closing statement received and updated to review, resolved. - Due Diligence Vendor-02/17/2023<br>| XXXX |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101350 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 2 Missing | XXXX | Ready for Review-gift of equity so the money comes from the sale of the property. There is no statements or sourcing. The seller credit is also something we do not source. Im not sure what you want me to provide. Please advise<br>- Seller-02/17/2023 <br>Ready for Review-Gift of equity assets not needed. - Seller-02/14/2023<br>| Resolved-Thank you for providing the consolidated closing statement, the updated information on this document has satisfied the insufficient assets. Resolved. - Due Diligence Vendor-02/17/2023<br>|  |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101350 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Updated Business Purpose Affidavit Disclosure initialed by the borrower received and updated to BPV2 page, resolved. - Due Diligence Vendor-02/15/2023 <br>Ready for Review-Document Uploaded. - Seller-02/15/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The Business Purpose Affidavit Disclosure is missing the borrowers initials on the occupancy line at the bottom of the page. Please provide updated Business Purpose Affidavit Disclosure initialed by the borrower. - Due Diligence Vendor-02/13/2023 | Ready for Review-Document Uploaded. - Seller-02/15/2023<br>| Resolved-Updated Business Purpose Affidavit Disclosure initialed by the borrower received and updated to BPV2 page, resolved. - Due Diligence Vendor-02/15/2023<br>| XXXX |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101534 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding is resolved, client provided personal guarantor. - Due Diligence Vendor-02/15/2023 <br>Ready for Review-Document Uploaded. - Seller-02/15/2023 <br>Open-File closed in an LLC, Personal Guaranty was not included. - Due Diligence Vendor-02/14/2023 | Ready for Review-Document Uploaded. - Seller-02/15/2023<br>| Resolved-Finding is resolved, client provided personal guarantor. - Due Diligence Vendor-02/15/2023<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101534 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-Finding is resolved, SSR provided by the client. - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-Collateral Underwriter is missing from the file/ Please provide Collateral Underwriter with score and Reps and Warrants. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Finding is resolved, SSR provided by the client. - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101534 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Finding is resolved, XXXX has been provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/14/2023 <br>Ready for Review-Document Uploaded. - Seller-02/14/2023 <br>Open-Third Party Fraud Report Partially Provided LP anaylsis provided on Pg. 295 of the file. Please provide full Third Party Fraud Report. - Due Diligence Vendor-02/10/2023 | Ready for Review-Document Uploaded. - Seller-02/14/2023<br>| Resolved-Finding is resolved, XXXX has been provided by the client. - Due Diligence Vendor-02/14/2023 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/14/2023<br>| XXXX |  |  | IN | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101408 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Corrected Final 1003 received and updated to 1003 page. - Due Diligence Vendor-02/16/2023 <br>Ready for Review-Document Uploaded. 1003 corrected - Seller-02/15/2023 <br>Open-The Final 1003 is Missing Request clarification for Final 1003 document and provide an updated 1003 Final, as the subject property is being purchased for Primary Residence purpose whereas on page 150 - the property XXXX, is the borrower's current primary residence for last 43 years in retained status. Hence, the status and residence type need to be addressed as the borrower is now making a purchase for property XXXX is primary residence. - Due Diligence Vendor-02/15/2023 | Ready for Review-Document Uploaded. 1003 corrected - Seller-02/15/2023<br>| Resolved-Corrected Final 1003 received and updated to 1003 page. - Due Diligence Vendor-02/16/2023<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101550 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $624755.25 is equal to or greater than Required Coverage Amount of $368980 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/23/2023 <br>Resolved-Finding resolved. Client provided updated dec page reflecting $624,755.25 dwelling coverage. - Due Diligence Vendor-02/23/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/23/2023 <br>Ready for Review-Document Uploaded. - Seller-02/23/2023 <br>Open-Hazard Insurance Coverage Amount of $277669 is less than Required Coverage Amount of $368980 and Guaranteed Replacement Coverage indicator is 'N/A' The Declaration page 274 reflects the Hazard Insurance Coverage Amount of XXXX is less than Required Coverage Amount of XXXX per the Appraisal, the dec page does not reflect Guaranteed Replacement. - Due Diligence Vendor-02/14/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/23/2023 <br>Ready for Review-Document Uploaded. - Seller-02/23/2023<br>| Resolved-Hazard Insurance Coverage Amount of $624755.25 is equal to or greater than Required Coverage Amount of $368980 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/23/2023 <br>Resolved-Finding resolved. Client provided updated dec page reflecting $624,755.25 dwelling coverage. - Due Diligence Vendor-02/23/2023<br>| XXXX |  |  | TN | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101550 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/24/2023 <br>Resolved-Finding resolved. Client provided BPA. - Due Diligence Vendor-02/17/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Please provide missing Business Purpose Affidavit. - Due Diligence Vendor-02/14/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/24/2023 <br>Resolved-Finding resolved. Client provided BPA. - Due Diligence Vendor-02/17/2023<br>| XXXX |  |  | TN | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101527 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is missing | XXXX | Ready for Review-Document Uploaded. - Seller-02/16/2023<br>| Resolved-Finding Resolved. Other Members not required to sign the Guarantor Recourse. - Due Diligence Vendor-02/21/2023<br>| XXXX |  |  | SC | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101528 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | XXXX | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023 <br>Ready for Review-Document Uploaded. - Seller-02/17/2023<br>| Resolved-Audited Reserves of 38.23 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/21/2023 <br>Resolved-Finding resolved. Client provided Final CD from 5015002104 covering reserve requirements. - Due Diligence Vendor-02/17/2023<br>| XXXX |  |  | KS | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101528 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Credit | Credit history does not meet guidelines | Waived-Finding waived. UW exception approved using compensating factors below. - Due Diligence Vendor-02/17/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023 <br>Ready for Review-Document Uploaded. - Seller-02/17/2023 <br>Open-We have Exception on Page #271,<br> Borrower has 1 x30 day late on a HELOC in the last 12 months. Primary Residence Additional notes attached in email\*\* Borrower had made payment on time but was unaware of rate increase so payment was short roughly $20 or less - Due Diligence Vendor-02/14/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/17/2023 <br>Ready for Review-Document Uploaded. - Seller-02/17/2023<br>| Waived-Finding waived. UW exception approved using compensating factors below. - Due Diligence Vendor-02/17/2023<br>| XXXX |  | Compensating Factors:<br> 1. Credit Score above minimum by 20 points or greater<br> 2. DTI below max by 5% or greater<br> 3. Increase in residual income by 10% or greater<br> 4. 0X30X24 month housing history<br> 5. PITIA reserves above minimum by 6 months or greater<br> 6. Borrower is a seasoned investor that currently owns 8 rentals. 38+ months reserves, 740+ median credit score. 1.368 DSCR | KS | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350101528 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/16/2023 <br>Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-02/16/2023 <br>Ready for Review-Document Uploaded. - Seller-02/16/2023 <br>Open-Third Party Fraud Report Partially Provided, Loan Participant Analysis report is on page #216, kindly provide full report. - Due Diligence Vendor-02/14/2023 | Ready for Review-Document Uploaded. - Seller-02/16/2023<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/16/2023 <br>Resolved-Finding Resolved. Client provided the XXXX. - Due Diligence Vendor-02/16/2023<br>| XXXX |  |  | KS | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101528 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Finding Resolved. Client prtovided the Personal Guaranty signed at closing. - Due Diligence Vendor-02/16/2023 <br>Ready for Review-Document Uploaded. - Seller-02/16/2023 <br>Open-File closed in an LLC, missing the Personal Guaranty signed at closing. - Due Diligence Vendor-02/15/2023 | Ready for Review-Document Uploaded. - Seller-02/16/2023<br>| Resolved-Finding Resolved. Client prtovided the Personal Guaranty signed at closing. - Due Diligence Vendor-02/16/2023<br>| XXXX |  |  | KS | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350101551 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-02/24/2023 <br>Resolved-Finding resolved. Client provided AVM. - Due Diligence Vendor-02/24/2023 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/24/2023 <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing Secondary Valuation - Due Diligence Vendor-02/23/2023 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-02/24/2023<br>| Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-02/24/2023 <br>Resolved-Finding resolved. Client provided AVM. - Due Diligence Vendor-02/24/2023<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |

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## Exhibit 99.24

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.24**

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| **Loan ID** | **Dummy ID** | **Customer Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| XXXX | 4350101413 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXX | 4350101484 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| XXXX | 4350101420 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXX | 4350101426 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.026 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| XXXX | 4350101411 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101412 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101554 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate RIsk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101562 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .000 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| XXXX | 4350101419 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXXX | 4350101423 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.078 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| XXXX | 4350101559 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .013 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXX | 4350101443 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| XXXX | 4350101416 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101421 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXXX | 4350101435 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 0 |  |
| XXXX | 4350101418 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101428 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXX | 4350101415 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101432 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101417 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101433 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXX | 4350101441 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101563 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101560 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101431 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| XXXX | 4350101446 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101422 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101476 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101466 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101555 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101556 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101557 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101315 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXXX | 4350101553 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .065 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| XXXX | 4350101462 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .156 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | High Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101427 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101434 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 999 |  |
| XXXX | 4350101414 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 0 |  |
| XXXX | 4350101448 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| XXXX | 4350101366 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101561 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXX | 4350101464 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXX | 4350101438 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101424 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| XXXX | 4350101425 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXX | 4350101552 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101558 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101437 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101472 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.095 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXX | 4350101447 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXXX | 4350101523 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .084 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101486 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.095 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101436 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101487 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101450 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXX | 4350101439 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101457 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101461 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| XXXX | 4350101482 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| XXXX | 4350101430 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101453 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101531 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXX | 4350101445 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101429 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101465 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| XXXX | 4350101321 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| XXXX | 4350101442 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXX | 4350101468 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Mo | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| XXXX | 4350101477 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101479 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| XXXX | 4350101319 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXXX | 4350101320 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| XXXX | 4350101365 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXX | 4350101325 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXX | 4350101440 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101470 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| XXXX | 4350101363 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .005 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| XXXX | 4350101485 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXX | 4350101452 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| XXXX | 4350101455 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXX | 4350101467 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXX | 4350101469 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXX | 4350101478 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101483 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXX | 4350101503 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXX | 4350101496 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXX | 4350101498 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| XXXX | 4350101318 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101367 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .012 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| XXXX | 4350101364 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXX | 4350101504 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101449 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXX | 4350101451 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101460 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXX | 4350101444 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| XXXX | 4350101456 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101473 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXX | 4350101454 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| XXXX | 4350101475 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101324 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXX | 4350101474 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| XXXX | 4350101480 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXX | 4350101501 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101505 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101458 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| XXXX | 4350101471 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| XXXX | 4350101481 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.039 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXX | 4350101489 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| XXXX | 4350101463 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXX | 4350101362 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101519 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101497 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| XXXX | 4350101493 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101492 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 0 |  |
| XXXX | 4350101490 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.086 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXX | 4350101459 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.8 |  |
| XXXX | 4350101507 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXX | 4350101491 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXX | 4350101499 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101494 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXX | 4350101506 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .051 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXXX | 4350101502 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101500 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| XXXX | 4350101488 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| XXXX | 4350101521 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXX | 4350101508 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101495 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXX | 4350101512 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXX | 4350101515 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101514 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXXX | 4350101516 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| XXXX | 4350101535 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXX | 4350101509 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXX | 4350101511 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 | XXXX |
| XXXX | 4350101536 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXX | 4350101545 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| XXXX | 4350101533 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101537 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101543 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101513 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXX | 4350101546 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXX | 4350101564 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101568 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101566 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101570 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101567 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101569 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101331 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101326 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101571 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350101384 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXX | 4350101376 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101342 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101333 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXX | 4350101381 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101544 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXX | 4350101538 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| XXXX | 4350101510 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101374 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXX | 4350101539 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101332 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101388 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXX | 4350101352 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXX | 4350101393 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXX | 4350101387 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| XXXX | 4350101348 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| XXXX | 4350101565 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| XXXX | 4350101383 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .000 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| XXXX | 4350101540 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101351 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXX | 4350101379 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101338 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101329 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101356 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101370 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101385 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101382 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .010 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXX | 4350101358 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXX | 4350101391 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| XXXX | 4350101344 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101336 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101396 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| XXXX | 4350101340 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101343 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101517 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXX | 4350101400 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101380 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101371 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| XXXX | 4350101372 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101322 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101522 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXX | 4350101541 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101354 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| XXXX | 4350101355 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXX | 4350101337 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| XXXX | 4350101405 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| XXXX | 4350101392 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101357 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| XXXX | 4350101407 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXX | 4350101532 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| XXXX | 4350101520 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101518 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101401 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| XXXX | 4350101373 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXX | 4350101377 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| XXXX | 4350101347 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101349 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101402 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| XXXX | 4350101394 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | .012 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101397 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101341 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| XXXX | 4350101542 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| XXXX | 4350101547 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXX | 4350101404 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXX | 4350101335 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101316 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101317 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXX | 4350101389 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101360 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101548 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| XXXX | 4350101386 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101398 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| XXXX | 4350101323 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXX | 4350101328 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXX | 4350101403 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101327 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101330 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| XXXX | 4350101399 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101406 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXX | 4350101369 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXX | 4350101353 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXX | 4350101529 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101526 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXX | 4350101409 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101334 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101346 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXX | 4350101375 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXXX | 4350101390 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101524 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101345 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXX | 4350101339 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| XXXX | 4350101368 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101395 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXX | 4350101410 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| XXXX | 4350101378 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXX | 4350101525 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| XXXX | 4350101549 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXXX | 4350101350 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101361 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX | 4350101534 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXX | 4350101408 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101550 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101527 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101528 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101530 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| XXXX | 4350101359 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXX | 4350101551 | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |

---

## Exhibit 99.25

[COLT 2023-1 ABS-15G](colt-abs15g_031023.htm)

**Exhibit 99.25**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 4350101554 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Updated as per Approval Document 1CR |
| XXXX | 4350101562 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Since the Occupancy is Primary we update Originator QM Status as Non-QM: Lender documented all ATR UW factors |
| XXXX | 4350101562 |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 8.22 | 8.21 | XXXX = 8.22% |
| XXXX | 4350101562 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.69 | 27.81 | XXXX = 25.69% |
| XXXX | 4350101559 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX Confirmed as per Closing doc its a Primary Residence so we need to Consider like Non-QM ATR Loan. |
| XXXX | 4350101443 |  | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | 1008 and final 1003 do not reflect negative income. |
| XXXX | 4350101416 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Confirmed Appraisal subject property is 2 unit |
| XXXX | 4350101416 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan type confirmed |
| XXXX | 4350101421 |  | XXXX | Qualifying Monthly P&I Amount | notePage | XXXX | XXXX | Qualifying Monthly P&I Amount is verified XXXX, XXXX is picking incorrect Value, Mapping Issue |
| XXXX | 4350101421 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.51 | 29.55 | DTI is 29.55%, XXXX is picking incorrect Value, Mapping Issue |
| XXXX | 4350101435 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Two unit confirmed. |
| XXXX | 4350101418 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR Investor cash flow. Verified from 1008 on page#22 & DSCR Cal sheet on page#232. |
| XXXX | 4350101418 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Subject property confirmed as 2 Unit |
| XXXX | 4350101428 |  | XXXX | Monthly Hazard Insurance Premium | propertyInsurancePage | XXXX | XXXX | Tape Data only includes insurance premium for XXXX and does not include premium for XXXX |
| XXXX | 4350101415 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | DSCR confirmed. |
| XXXX | 4350101415 |  | XXXX | Sales Price | the1008Page | XXXX | XXXX | Refinance transaction confirmed. |
| XXXX | 4350101417 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | As per Appraisal Property Type is Tow to Four Unit and in Tape Data reflecting as Single Family Detached |
| XXXX | 4350101433 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type 2 Unit verified by Appraisal |
| XXXX | 4350101441 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Tape Data only incudes County Tax amount. XXXX includes County and Town tax. |
| XXXX | 4350101563 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is Non-QM as borrower is qualified with Income |
| XXXX | 4350101560 |  | XXXX | Index | notePage | 2.285 | 2.5870 | Rate Lock dated XXXX was used to determine 30-day Avg SOFR Index Value of 2.28503 rounded to 2.285 |
| XXXX | 4350101560 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 671 | 655 | Considered from Credit report |
| XXXX | 4350101560 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Confirmed Primary Residence - Non-QM loan |
| XXXX | 4350101476 |  | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | Income has been verified per provided documents. |
| XXXX | 4350101476 |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 27.14 | 26.63 | DTI has been verified per provided documents. |
| XXXX | 4350101555 |  | XXXX | Note Date | notePage | XXXX | XXXX | Note date confirmed. |
| XXXX | 4350101555 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type Confirmed |
| XXXX | 4350101555 |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Property Value updated as per appraisal document and Cda Report. |
| XXXX | 4350101556 |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | 4350101556 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan is DSCR confirmed from Loan approval certificate but tape reflecting conventional |
| XXXX | 4350101557 |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | 4350101557 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | updated as per Final 1003 and 1008 doc |
| XXXX | 4350101315 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 4350101553 |  | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | Data confirmed final 1003 |
| XXXX | 4350101553 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan type Confirmed- DSCR |
| XXXX | 4350101553 |  | XXXX | Note Date | notePage | XXXX | XXXX | Note date confirmed from note. |
| XXXX | 4350101462 |  | XXXX | Primary Appraised Property Value | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 4350101427 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR Investor cash flow. Verified from 1008 on page#27. |
| XXXX | 4350101366 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | Tape data only Includes Insurance Premium for XXXX whereas XXXX includes Insurance Premium for both the units XXXX |
| XXXX | 4350101561 |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 6.49 | 6.51 | Qualifying Housing Debt Income Ratio within 1% |
| XXXX | 4350101561 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.79 | 32.08 | Qualifying Total Debt Income Ratio within 1% |
| XXXX | 4350101552 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Loan is primary residence per approval certificate. |
| XXXX | 4350101552 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.88 | 46.64 | DTI is within tolerance. |
| XXXX | 4350101558 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type Confirmed from Approval Certificate doc is on Page # 1 Credit Pkg |
| XXXX | 4350101523 |  | XXXX | Monthly Hazard Insurance Premium | propertyInsurancePage | XXXX | XXXX | As per the document provided in file on page no: 409, hazard insurance is XXXX but as per all other closing documents it is XXXX Finding has added for correct Insurance to be verified which matches with the closing documents as well. |
| XXXX | 4350101523 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Appraisal confirms property type as 2 unit however the Tape Data reflects as Single Family Detached. |
| XXXX | 4350101486 |  | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Limited Cash Out - <2% of Loan Amount or $2000 | Refinance type confirmed, No cash to borrower. |
| XXXX | 4350101486 |  | XXXX | Sales Price | the1008Page | XXXX | XXXX | Refinance transaction, no sales price exists. |
| XXXX | 4350101486 |  | XXXX | Monthly Hazard Insurance Premium | propertyInsurancePage | XXXX | XXXX | Hazard premium confirmed. |
| XXXX | 4350101439 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | As per Loan program this is DSCR loan. Tape data shows Conventional |
| XXXX | 4350101531 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date taken from Initial 1003 (page 15) |
| XXXX | 4350101325 |  | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | There is no proof for NRI of XXXX |
| XXXX | 4350101470 |  | XXXX | Note Date | notePage | XXXX | XXXX | Note date updated as Per Note document on page#250 where as all closing documents like Final CD,Final 1003,FPL & DOT reflecting closing date as XXXX |
| XXXX | 4350101485 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 4350101318 |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Note confirms B1 signed as XXXX |
| XXXX | 4350101504 |  | XXXX | Borrower 1 Origination Experian | creditLiabilitiesPage | 721 | 752 | Client updated 1008 to 721, Tape Data reflects FICO of 752, CBR pg 170 reflects 721. |
| XXXX | 4350101454 |  | XXXX | Qualifying Monthly P&I Amount | notePage | XXXX | XXXX |  |
| XXXX | 4350101475 |  | XXXX | Loan Program | the1003Page | XXXX | XXXX |  |
| XXXX | 4350101497 |  | XXXX | Qualifying Monthly P&I Amount | notePage | XXXX | XXXX | Note Type: ARM, Note rate with 8.375 PIA = XXXX and Note rate with 10.375 PIA = XXXX (Qualifying method selected as per guidelines on page no: 34) |
| XXXX | 4350101509 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | DSCR confirmed. |
| XXXX | 4350101511 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Subject property value confirmed. |
| XXXX | 4350101543 |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal property is 2-4 unit |
| XXXX | 4350101564 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type confirmed per approval certificate |
| XXXX | 4350101566 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is confirmed as Non QM ATR per approval certificate. |
| XXXX | 4350101566 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.36 | 41.68 | Variance in decimal due to XXXX revolving account payment showing XXXX in Latest credit report. |
| XXXX | 4350101570 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is Non QM ATR per approval certificate, primary purchase |
| XXXX | 4350101570 |  | XXXX | Originator Doc Type | employmentIncomePage | Full Doc | ALT DOC | 1 yr tax returns listed as Full doc per guidelines, tape data shows loan as Alt doc |
| XXXX | 4350101569 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX Confirmed and its a Primary Residency |
| XXXX | 4350101569 |  | XXXX | Loan Program | bridgeApplicationPage | XXXX | XXXX | Loan Program Confirmed and Updated as per Drop Down |
| XXXX | 4350101331 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date updated as per initial 1003 on page 8. |
| XXXX | 4350101326 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 4350101571 |  | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Borrower 2 is self-employed as per docs. XXXX is correct |
| XXXX | 4350101571 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Loan is purchase-Primary residence transaction. Hence XXXX is correct |
| XXXX | 4350101381 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 4350101510 |  | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Limited Cash Out - <2% of Loan Amount or $2000 | No cash out |
| XXXX | 4350101374 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.47 | 49.28 | XXXX DTI of 48.47% is confirmed with 1008 document #17 also Manual calculation however, Tape data is Incorrect. |
| XXXX | 4350101332 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Tax amount updated from Tax Cert in Page #278. Tape Data reflecting Tax amount for 2022 whereas the calculated Tax amount is for 2023. |
| XXXX | 4350101393 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Monthly Tax amount considered from Tax Information Sheet in Page #146. However, the variance is within XXXX Hence, it is acceptable |
| XXXX | 4350101387 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date Updated as per initial 1003, however tape data is showing different as per homeowners & LE, document. |
| XXXX | 4350101387 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.73 | 34.63 | Within 1% |
| XXXX | 4350101348 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Tax amount updated from Tax Cert in Page #328 based on Tax Rate with Purchase Price. However, the variance is within 1%. Hence, it is acceptable |
| XXXX | 4350101565 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan type confirmed as DSCR per approval certificate |
| XXXX | 4350101565 |  | XXXX | Qualifying Loan Amount | propertyValuationPage | XXXX | XXXX | Confirmed loan amount from Approval cert |
| XXXX | 4350101540 |  | XXXX | Borrower 2 Origination Equifax | creditLiabilitiesPage | 763 | 779 |  |
| XXXX | 4350101540 |  | XXXX | Borrower 2 Origination Experian | creditLiabilitiesPage | 779 | 763 |  |
| XXXX | 4350101351 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application Date updated as per initial 1003 however tape data is showing different. |
| XXXX | 4350101338 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application Date updated as per initial 1003 page no #1 |
| XXXX | 4350101329 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | As per Tax cert Sales Price / Assessed Value = XXXX x 1.753% Tax Assessment Factor = XXXX / 12 months = XXXX monthly Tax. |
| XXXX | 4350101329 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 4350101356 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date confirmed form Initial 1003 |
| XXXX | 4350101385 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application Date considered from initial 1003 loan application signed date. |
| XXXX | 4350101358 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Updated Tax amount from Tax Cert in Page #410. Tape Data not reflecting Tax amount with City Tax of XXXX included in it. |
| XXXX | 4350101344 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date updated as per initial, however. tape shows different. |
| XXXX | 4350101396 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | To Match the DTI Tax Amount has been considered from Tax Information document #324, however Escrow Waiver Present in file #352 |
| XXXX | 4350101396 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | To Match the DTI Tax Amount has been considered from Insurance document #526, however Escrow Waiver Present in file #352 |
| XXXX | 4350101396 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date has confirmed form Initial 1003 |
| XXXX | 4350101340 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Confirmed, XXXX LSM Update entered Borrower & LO Signed date and Borrower signed date is earliest (Considered as Application date). |
| XXXX | 4350101343 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date confirmed as per Initial 1003 |
| XXXX | 4350101343 |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 0 | XXXX | File is DSCR, HDTI Not required. |
| XXXX | 4350101343 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | XXXX | File is DSCR, DTI Not required |
| XXXX | 4350101380 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 4350101372 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 4350101322 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | Monthly property insurance amount verified from Insurance doc page no 337 |
| XXXX | 4350101354 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date updated as per LO signature date on Initial 1003 application |
| XXXX | 4350101355 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date confirmed from Initial 1003 |
| XXXX | 4350101405 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.54 | 17.02 | Gap report received and updated to credit liabilities page, DTI is wihin 1% |
| XXXX | 4350101357 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Tax Amount not reflecting in Tape Data as File is not Escrowed |
| XXXX | 4350101357 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | Monthly Premium amount not reflecting in Tape Data as File is not Escrowed |
| XXXX | 4350101373 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date updated as per inital 1003 on page 16. |
| XXXX | 4350101373 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.04 | 29.23 | Qualifying Total Debt Income Ratio variance XXXX due to variance in HOA fee. |
| XXXX | 4350101377 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date confirmed as per Initial 1003 |
| XXXX | 4350101402 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application Date updated as per initial 1003 page no #10 |
| XXXX | 4350101402 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.76 | 32.41 | DTI is difference of 0.65 due to all other monthly payment is not matching However DTI is within 1% variance. |
| XXXX | 4350101394 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.13 | 41.27 | The credit liabilities screen has been updated with the negative net rental for the other 2 properties the borrower owns. The back end DTI is within 1%. |
| XXXX | 4350101397 |  | XXXX | Borrower 1 Birthdate | the1003Page | XXXX | XXXX | B1 Birth date confirmed from Final 1003 |
| XXXX | 4350101341 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | To Match the DSCR Tax Amount has been considered from #364, but Escrow Waiver present in file #233 |
| XXXX | 4350101341 |  | XXXX | Term | notePage | 360 | 480 | 360 month term |
| XXXX | 4350101341 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | To Match the DSCR Insurance Amount has been considered from #339, but Escrow Waiver present in file #233 |
| XXXX | 4350101341 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date is considered from Initial 1003 |
| XXXX | 4350101341 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 43.94 | File is DSCR |
| XXXX | 4350101404 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | Tape Data not including 'Flood Insurance' in it's monthly Premium as the Subject Property is in Flood Zone area |
| XXXX | 4350101404 |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Borrower's last name updated from Note Doc in Page #173 whereas Tape Data reflecting Borrower's name as per Id Proof in Page #21 |
| XXXX | 4350101335 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | To match the DSCR value considered tax amount from tax cert pg#639 , escrow waiver pg#319 |
| XXXX | 4350101335 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | To match the DSCR value considered from insurance pg#344 , escrow waiver pg#319. |
| XXXX | 4350101335 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date updated as per initial 1003 however tape is showing incorrect. |
| XXXX | 4350101316 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 4350101317 |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Borrower's name as per Note Doc in Page #209 and other Closing Documents is XXXX |
| XXXX | 4350101317 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 4350101389 |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | no | As per the documents which are used for qualifying income like CPA(pg-481), etc.., reflects borrower as 100% ownership in that particular business. |
| XXXX | 4350101386 |  | XXXX | Property Address | notePage | XXXX | XXXX | Formatting difference, values match |
| XXXX | 4350101328 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | HOI Monthly Premium updated as per HOI Policy available on page 411. |
| XXXX | 4350101330 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Taxes is not escrowed, taxes are considered from Tax cert, Title, however tape data is showing XXXX |
| XXXX | 4350101330 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | Insurance is not escrowed, monthly premium is considered from Property Insurance, however tape data is showing XXXX |
| XXXX | 4350101406 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.63 | 47.98 | XXXX reflecting DTI as 47.63 whereas Tape Data reflecting as 47.98 however DTI is within Variance 0.35 |
| XXXX | 4350101369 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date is considered from Initial 1003 |
| XXXX | 4350101334 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Updated Monthly Tax Amount as per Tax Cert in Page #305 & 491 - matching with Lender information Sheet in Page #361 & HUD in Page #411 |
| XXXX | 4350101334 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | Updated Premium amount as per Hazard Insurance in Page #449 - matching with Lender information Sheet in Page #361 & HUD in Page #411 |
| XXXX | 4350101346 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application Date updated as per initial 1003 page no #1 |
| XXXX | 4350101375 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | Property Insurance Includes Flood Insurance of XXXX Tape Data shows without Flood Insurance. |
| XXXX | 4350101390 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX is correct and we have escrow waiver in loan file on page#268 |
| XXXX | 4350101390 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX is correct and we have escrow waiver in loan file on page#268 |
| XXXX | 4350101390 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.38 | 28.97 | Within 1% |
| XXXX | 4350101345 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application Date updated as per initial 1003 page no #1 |
| XXXX | 4350101339 |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Taxes Verified using Tax Cert, Escrow Waiver in File Pg: 226. |
| XXXX | 4350101339 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | HOI Verified using Hazard Insurance Document, Escrow Waiver in File Pg: 226. |
| XXXX | 4350101368 |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | Total Monthly Hazard Insurance amount is considered XXXX as per Property Insurance document, however tape data is showing XXXX |
| XXXX | 4350101368 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.5 | 42.41 | Change in Monthly payments on Tradelines from Credit Report to 1003 and Underwriter calculation leads to difference in All other monthly payments which showing slight difference in DTI. |
| XXXX | 4350101395 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application Date updated as per initial 1003 however tape is showing different. |
| XXXX | 4350101395 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.99 | 18.37 | Within 1% |
| XXXX | 4350101410 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 4350101378 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Application date updated as per initial 1003 on page 18. |
| XXXX | 4350101378 |  | XXXX | Borrower 2 Last Name | notePage | XXXX | XXXX | Borrower Last Name updated as per final 1003 on page 894. |
| XXXX | 4350101350 |  | XXXX | Property Address | notePage | XXXX | XXXX | Formatting difference, values match |

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