# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-26-006444
**Filing Date:** 2026-3
**Character Count:** 3569624
**Document Hash:** 1cf1d95d59ff03dfd5947677f624d36b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-006444.hdr.sgml**: 20260319

**ACCESSION NUMBER**: 0001999371-26-006444

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

**PUBLIC DOCUMENT COUNT**: 59

**CONFORMED PERIOD OF REPORT**: 20260319

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

**FILED AS OF DATE**: 20260319

**DATE AS OF CHANGE**: 20260319

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 26774076

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618

**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>j.p. morgan acceptance corporation ii</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001142786

<u>J.P. Morgan Mortgage Trust 2026-NQX1</u><br> (Exact name of issuing entity as specified in its charter)

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

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

Amie Davis, (212) 623-7441

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

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Form ABS Due Diligence-15E |
| [99.2](ex99-2.htm) | AMC Data Compare |
| [99.3](ex99-3.htm) | AMC Exception Report |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Valuation Summary |
| [99.6](ex99-6.htm) | Clarifii LLC ("Clarifii") Executive Summary |
| [99.7](ex99-7.htm) | Clarifii Data Compare Report |
| [99.8](ex99-8.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.9](ex99-9.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.10](ex99-10.htm) | Clarifii Valuation Report |
| [99.11](ex99-11.htm) | Clayton Services LLC ("Clayton") Due Diligence Narrative |
| [99.12](ex99-12.htm) | Clayton Data Compare |
| [99.13](ex99-13.htm) | Clayton Exception Report |
| [99.14](ex99-14.htm) | Clayton Rating Agency Grades |
| [99.15](ex99-15.htm) | Clayton Valuation Summary |
| [99.16](ex99-16.htm) | Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Narrative |
| [99.17](ex99-17.htm) | Consolidated Analytics Data Compare |
| [99.18](ex99-18.htm) | Consolidated Analytics Exception Report |
| [99.19](ex99-19.htm) | Consolidated Analytics Rating Agency Grades |
| [99.20](ex99-20.htm) | Consolidated Analytics Valuation Summary |
| [99.21](ex99-21.htm) | Covius Real Estate Services, LLC ("Covius") Due Diligence Narrative |
| [99.22](ex99-22.htm) | Covius Tape Compare |
| [99.23](ex99-23.htm) | Covius Exceptions Report |
| [99.24](ex99-24.htm) | Covius Grades Report |
| [99.25](ex99-25.htm) | Covius Valuation Report |
| [99.26](ex99-26.htm) | Inglet Blair, LLC ("Inglet Blair") Due Diligence Narrative |
| [99.27](ex99-27.htm) | Inglet Blair Data Compare |
| [99.28](ex99-28.htm) | Inglet Blair Exception Report |
| [99.29](ex99-29.htm) | Inglet Blair Rating Agency Grades |
| [99.30](ex99-30.htm) | Inglet Blair Valuation Summary |
| [99.31](ex99-31.htm) | Inglet Blair Loan Summary |
| [99.32](ex99-32.htm) | Maxwell Diligence Solutions, LLC ("Maxwell") Due Diligence Narrative |
| [99.33](ex99-33.htm) | Maxwell Exceptions Report |
| [99.34](ex99-34.htm) | Maxwell Grading Report |
| [99.35](ex99-35.htm) | Maxwell Valuation Report |
| [99.36](ex99-36.htm) | Maxwell Data Compare Report |
| [99.37](ex99-37.htm) | Wipro Opus Risk Solutions, LLC ("Opus") Due Diligence Narrative |
| [99.38](ex99-38.htm) | Opus Data Compare |
| [99.39](ex99-39.htm) | Opus Exception Report |
| [99.40](ex99-40.htm) | Opus Rating Agency Grades |
| [99.41](ex99-41.htm) | Opus Valuation Summary |
| [99.42](ex99-42.htm) | Selene Diligence LLC ("Selene") Due Diligence Narrative |
| [99.43](ex99-43.htm) | Selene Data Compare Report |
| [99.44](ex99-44.htm) | Selene Standard Findings Report |
| [99.45](ex99-45.htm) | Selene Rating Agency Grades Summary Report |
| [99.46](ex99-46.htm) | Selene Valuation Report |

---

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

j.p. morgan acceptance corporation ii

&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;&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;&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;&nbsp;&nbsp; (Depositor)

Date: March 19, 2026

<u>/s/ Michael Brown</u>

Name: Michael Brown

Title: Chief Executive Officer (Senior Officer in charge of securitization)

## Exhibit 99.1

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD PARTY DUE DILIGENCE SERVICES FOR ASSET-BACKED SECURITIES**

**Item 1: Identity of the person providing third party due diligence services** 

Legal Name: <u> AMC Diligence, LLC</u>

Business Name (if Different):  

Principal Business Address: <u> 150 East 52<sup>nd</sup> Street, Suite 4002, New York, NY 10022</u>

**Item 2: Identity of the person who paid the person to provide due diligence services** 

Legal Name: <u> JPMorgan Chase Bank, National Association</u>

Business Name (if Different):  

Principal Business Address: <u> 270 Park Avenue, 4<sup>th</sup>Floor, New York, NY 10017</u>

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Global Structured Finance Data Quality Evaluation Approach, February 9, 2022 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

**Item 4: Description of the due diligence performed**

See attached.

**Item 5: Summary of findings and conclusions of review**

See attached.

1 \| P a g e <br>

![](ex991001.jpg)

**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects on and as of the date hereof.

Name of Person Identified in Item 1: <u>AMC Diligence, LLC</u>

By: <u>Tim Van Houtte</u>

---

| | |
|:---|:---|
| Signature: | /s/ Tim Van Houtte |

---

Date: <u> March 18, 2026</u>

2 \| P a g e <br>

![](ex991001.jpg)

**Item 4: Description of the due diligence performed**

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, National Association ("**Client**") during multiple transactions from September 2022 to February 2026 via files imaged and provided by JPMorgan Chase Bank, National Association for review (the "**Review**").

The loans in the Review carried origination dates between December 2019 and January 2026.

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

The Review was conducted on three hundred nine (309) loans selected by the Client. Subsequent to review, the Client reduced the population to two hundred sixty-six (266) mortgage loans with an aggregate original principal balance of approximately $132.307 million for unknown reasons. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

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

AMC compared data fields on the bid tape provided by Client to the data found in the actual file as captured by AMC. This comparison, when data was available, included the following data fields:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;City | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Origination Channel |  |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;PITIA Reserves Months |  |

---

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

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

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

3 \| P a g e <br>

![](ex991001.jpg)

**<u>CREDIT REVIEW (105 Mortgage Loans)</u>**

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

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

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

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

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

**DU/LP/Zippy Review** 

When a DU/LP/Zippy form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP/Zippy were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP/Zippy in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

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

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

4 \| P a g e <br>

![](ex991001.jpg)

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

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

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

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

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

**<u>LEASES REVIEW (161 Mortgage Loans)</u>**

**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC reviewed the corresponding Loan File and verified whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial loan application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose/nonowner occupancy, (l) articles of incorporation (m) operating agreement, (n) background check, (o) leases, (p) assignment of leases and rents, (q) closing protection letter, (r) lease agreement(s), and(s) track record report.

**<u>CREDIT REVIEW</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines were assessed during the review. An income calculation was not performed though the presence of income documentation if required by the guidelines was noted.

**Credit Application:** For the Credit Application, AMC verified whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

**Credit Report:** AMC verified (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

5 \| P a g e <br>

![](ex991001.jpg)

**Borrowing Entity:** AMC verified the borrowing entity, if not an individual, is properly documented. In addition, AMC verified if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction was made between guarantors and principals, individuals, and business entities.

**Property income:** AMC determined whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios were calculated but instead a "Property DTI/DSCR" was calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

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

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

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines is present in the file. AMC verified that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

**Insurance:** AMC (a) looked for the presence of rent loss insurance as required by the guidelines, (b) verified that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirmed that the flood certification is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC also reviewed the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC reviewed for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, AMC looked for an independent, third party fraud report and background check in each file and reviewed 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.

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

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (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.

6 \| P a g e <br>

![](ex991001.jpg)

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

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

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the Client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the Client was notified of such variance and a second independent valuation product was ordered.

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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

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

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

7 \| P a g e <br>

![](ex991001.jpg)

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

**<u>COMPLIANCE REVIEW (161 Mortgage Loans)</u>**

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

8 \| P a g e <br>

![](ex991001.jpg)

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

9 \| P a g e <br>

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

10 \| P a g e <br>

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

---

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

---

---

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

---

---

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

---

11 \| P a g e <br>

![](ex991001.jpg)

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

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

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

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

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

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

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

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

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

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

12 \| P a g e <br>

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

13 \| P a g e <br>

![](ex991001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

**<u>LEASES LIMITED COMPLIANCE REVIEW (6 Mortgage Loans)</u>**

Includes Leases Review Scope with additional limited compliance review below.

**State Compliance Review applicable to non-owner occupied loans:** 

SitusAMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) High
 Cost testing in Chicago Illinois and Cook County Illinois;

&nbsp;&nbsp;&nbsp;&nbsp;b) Higher
 Priced testing in Minnesota;

&nbsp;&nbsp;&nbsp;&nbsp;c) Other
 applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming,
 and Vermont, Virginia and

&nbsp;&nbsp;&nbsp;&nbsp;d) State
 specific prepayment penalty and late charge testing applicable to non-owner occupied
 loans.

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

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

**(9) Disclaimer.**

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

14 \| P a g e <br>

![](ex991001.jpg)

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

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, Inc. ("Kroll"), and Moody's Investors Service, Inc. ("Moody's") and S&P Global Ratings ("S&P").

**OVERALL REVIEW RESULTS SUMMARY**

There were two hundred sixty-six (266) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, seventy-two (72) (27.07%) loans had an overall loan grade of "B". After all documents were presented, under the applicable DBRS and S&P NRSRO grading criteria, seventy-one (71) (26.69%) loans had an overall loan grade of "B". Three (3) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch, Kroll, and Moody's Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***46*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**46** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Investment Product | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***58*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**58** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**104** |

---

15 \| P a g e <br>

![](ex991001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS and S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***45*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**45** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Investment Product | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***58*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**58** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**103** |

---

16 \| P a g e <br>

![](ex991001.jpg)

**COMPLIANCE RESULTS SUMMARY**

Of the one hundred eleven (111) loans that had a compliance review performed, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, thirty (30) had a Compliance Review "B" grade. Of the one hundred eleven (111) loans that had a compliance review performed, under the applicable DBRS and S&P NRSRO grading criteria, twenty-nine (29) had a Compliance Review "B" grade. Nine (9) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;81 | &nbsp;&nbsp;72.97% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;30 | &nbsp;&nbsp;27.03% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;82 | &nbsp;&nbsp;73.87% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;29 | &nbsp;&nbsp;26.13% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the two hundred sixty-six (266) loans reviewed, under the applicable NRSRO grading criteria, all loans had a Property Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;266 | &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% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Two hundred twenty-one (221) mortgage loans (83.08%) of the total received an "A" Credit Review grade. The forty-five (45) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;221 | &nbsp;&nbsp;83.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;45 | &nbsp;&nbsp;16.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred sixty-six (266) mortgage loans reviewed, one hundred fifty-seven (157) (59.02%) mortgage loans had tape discrepancies across fifty-three (53) unique data fields. The most common tape discrepancies were Note Date (18.05%), Borrower Last Name (16.92%), and Product Description (10.90%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

17 \| P a g e <br>

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;48 | &nbsp;&nbsp;18.05% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;45 | &nbsp;&nbsp;16.92% |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;29 | &nbsp;&nbsp;10.90% |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;23 | &nbsp;&nbsp;8.65% |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;23 | &nbsp;&nbsp;8.65% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;21 | &nbsp;&nbsp;7.89% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;17 | &nbsp;&nbsp;6.39% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.02% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;15 | &nbsp;&nbsp;5.64% |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;15 | &nbsp;&nbsp;5.64% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;12 | &nbsp;&nbsp;4.51% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.01% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.26% |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.26% |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.88% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.88% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.88% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.88% |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.50% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.13% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.13% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.13% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.13% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% |

---

18 \| P a g e <br>

![](ex991001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;N/A (investment property consumer mortgage) | &nbsp;&nbsp;161 | &nbsp;&nbsp;60.53% | &nbsp;&nbsp;$59075249.00 | &nbsp;&nbsp;44.65% |
| &nbsp;&nbsp;Non QM | &nbsp;&nbsp;72 | &nbsp;&nbsp;27.07% | &nbsp;&nbsp;$48574256.00 | &nbsp;&nbsp;36.71% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;18 | &nbsp;&nbsp;6.77% | &nbsp;&nbsp;$16822367.00 | &nbsp;&nbsp;12.71% |
| &nbsp;&nbsp;Exempt from ATR | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.89% | &nbsp;&nbsp;$6819219.00 | &nbsp;&nbsp;5.15% |
| &nbsp;&nbsp;Higher Priced QM (APOR) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$680000.00 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$335750.00 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**266** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132306841.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;252 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;$122094917.00 | &nbsp;&nbsp;92.28% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;$10211924.00 | &nbsp;&nbsp;7.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**266** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132306841.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;266 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$132306841.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**266** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132306841.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;113 | &nbsp;&nbsp;42.48% | &nbsp;&nbsp;$43279320.00 | &nbsp;&nbsp;32.71% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;106 | &nbsp;&nbsp;39.85% | &nbsp;&nbsp;$65259593.00 | &nbsp;&nbsp;49.32% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;28 | &nbsp;&nbsp;10.53% | &nbsp;&nbsp;$16385865.00 | &nbsp;&nbsp;12.38% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;19 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;$7382063.00 | &nbsp;&nbsp;5.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**266** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132306841.00** | &nbsp;&nbsp;**100.00%** |

---

19 \| P a g e <br>

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;265 | &nbsp;&nbsp;99.62% | &nbsp;&nbsp;$132123091.00 | &nbsp;&nbsp;99.86% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$183750.00 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**266** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132306841.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;134 | &nbsp;&nbsp;50.38% | &nbsp;&nbsp;$60155345.00 | &nbsp;&nbsp;45.47% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;51 | &nbsp;&nbsp;19.17% | &nbsp;&nbsp;$28821359.00 | &nbsp;&nbsp;21.78% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;26 | &nbsp;&nbsp;9.77% | &nbsp;&nbsp;$9501593.00 | &nbsp;&nbsp;7.18% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;4.51% | &nbsp;&nbsp;$6981350.00 | &nbsp;&nbsp;5.28% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.14% | &nbsp;&nbsp;$1820550.00 | &nbsp;&nbsp;1.38% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.38% | &nbsp;&nbsp;$6646000.00 | &nbsp;&nbsp;5.02% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.63% | &nbsp;&nbsp;$6193400.00 | &nbsp;&nbsp;4.68% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.63% | &nbsp;&nbsp;$5374600.00 | &nbsp;&nbsp;4.06% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.26% | &nbsp;&nbsp;$5014924.00 | &nbsp;&nbsp;3.79% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.75% | &nbsp;&nbsp;$712720.00 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$1085000.00 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**266** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132306841.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;182 | &nbsp;&nbsp;68.42% | &nbsp;&nbsp;$76772616.00 | &nbsp;&nbsp;58.03% |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;78 | &nbsp;&nbsp;29.32% | &nbsp;&nbsp;$46171675.00 | &nbsp;&nbsp;34.90% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.26% | &nbsp;&nbsp;$9362550.00 | &nbsp;&nbsp;7.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**266** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$132306841.00** | &nbsp;&nbsp;**100.00%** |

---

\*Tables may not add to 100% due to rounding.

20 \| P a g e <br>

![](ex991001.jpg)

**EXCEPTION DETAIL**

The exception summary below ties to the total number of B exceptions for the population included in the Review. Some mortgage loans may be listed multiple times if they carried multiple exception categories even if those categories were within the same general exception category (ex. Disclosures and RESPA Tolerance within Compliance).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;17 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Counseling Agencies Disclosure Not in File | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - General Ability to Repay | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland SB270 Prepayment Penalty 2009 Investment Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Missing Document: Missing Lender's Initial 1003 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Property Taxes Included In Escrow | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, refund/adjustment, LOE, re-opening of rescission and proof of delivery required. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Spousal Consent Form not provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Spousal Consent not provided. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Verification of housing pay history is required. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Loan to value discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Credit Report is more than 90 days prior to the note date. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Record Issue: | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient Coverage: Hazard insurance coverage amount is insufficient. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;1003 Error: Marital Status was not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;No evidence of fraud report in file | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower does not own current residence and thus casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Miscellaneous Credit (Non-Material): | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Lease Remaining Months of | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit Report Error: Missing source document for credit/housing history. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The property site acres is greater than 10 acres which does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Insufficient asset documentation. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rural property type is not permitted per Guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Explanation Letter not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Other not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Asset Account date is more than 90 days prior to Closing. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

21 \| P a g e <br>

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;17 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Counseling Agencies Disclosure Not in File | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland SB270 Prepayment Penalty 2009 Investment Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Missing Document: Missing Lender's Initial 1003 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Property Taxes Included In Escrow | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, refund/adjustment, LOE, re-opening of rescission and proof of delivery required. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Spousal Consent Form not provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Spousal Consent not provided. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Verification of housing pay history is required. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Loan to value discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Credit Report is more than 90 days prior to the note date. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Record Issue: | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient Coverage: Hazard insurance coverage amount is insufficient. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;1003 Error: Marital Status was not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;No evidence of fraud report in file | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower does not own current residence and thus casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Miscellaneous Credit (Non-Material): | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Lease Remaining Months of | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit Report Error: Missing source document for credit/housing history. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The property site acres is greater than 10 acres which does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Insufficient asset documentation. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rural property type is not permitted per Guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Explanation Letter not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Other not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Asset Account date is more than 90 days prior to Closing. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

22 \| P a g e <br>

## Exhibit 99.2

**Exhibit 99.2**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 303722492 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 303722492 | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 303722492 | Interest Rate Change Frequency | 12 | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 303722492 | Interest Rate Initial Cap | 10.5 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 303722492 | Interest Rate Initial Floor | 5 | 0.5 | Verified | Field Value reflects 'Interest Rate Initial Floor' per the Note |
| 303722491 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 303722491 | Interest Rate Initial Cap | 10.5 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 303722491 | Interest Rate Initial Floor | 5 | 0.5 | Verified | Field Value reflects 'Interest Rate Initial Floor' per the Note |
| 303722489 | Contract Sales Price | xxxx | xxxx | Verified | Appeared on Title |
| 303722489 | Interest Rate Initial Cap | 10.5 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 303722489 | Interest Rate Initial Floor | 5 | 0.5 | Verified | Field Value reflects 'Interest Rate Initial Floor' per the Note |
| 303722485 | Original Term | 12 | 360 | Verified | Field Value reflects the Note value |
| 303722485 | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 303722485 | Interest Rate Initial Cap | 10.5 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 303722485 | Interest Rate Initial Floor | 5 | 0.5 | Verified | Field Value reflects 'Interest Rate Initial Floor' per the Note |
| 303722483 | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 303722483 | Interest Rate Initial Cap | 10.75 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 303722483 | Interest Rate Initial Floor | 5 | 0.75 | Verified | Field Value reflects 'Interest Rate Initial Floor' per the Note |
| 303722471 | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 303722471 | Interest Rate Initial Cap | 11.5 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 303722471 | Interest Rate Initial Floor | 5 | 1.5 | Verified | Interest Rate Initial Floor is xxxx, per the Note. |
| 303964101 | Property Type | 4 Family | Mixed Use | Verified | Field Value reflects the Approval/AUS in file. |
| 303964101 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 303964115 | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 303760125 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 303760125 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 303760125 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 303760125 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304012200 | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304012200 | Margin | 0 |  | Verified | Fixed Rate |
| 304012200 | Contract Sales Price | xxxx | xxxx | Verified | 30 Year Fixed Rate |
| 304012167 | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304012167 | Margin | 0 |  | Verified | 30 Yr Fixed |
| 304012145 | Representative FICO |  | 0 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304012145 | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304012145 | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304012145 | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 304089131 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 304089131 | Investor: Qualifying Housing Ratio | 38.818 | 18.64486 | Verified | Field value reflects source document |
| 304089131 | Coborrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
| 304092547 | Borrower SSN | xxxx | xxxx | Verified | Field Value verified by application or other documentation in file |
| 304092547 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304092547 | First Payment Date | xxxx | xxxx | Verified | Field Value reflects First Payment Date per the Note |
| 304092547 | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304092547 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304092547 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304092547 | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 304092547 | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 304092547 | Appraisal Effective Date | xxxx | xxxx | Verified | Tape Value reflects Appraisal Date |
| 304092547 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304092547 | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| 304092547 | Cash From Borrower | xxxx | xxxx | Verified | Field value reflects source document |
| 304092547 | Total Income | xxxx | xxxx | Verified | Field value reflects source document |
| 304092547 | Investor: Qualifying Total Debt Ratio | 44 | 49.32827 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304092547 | Original HLTV |  | 80 | Verified | Field value reflects source document |
| 304092547 | PITIA Reserves Months | 56.00 | 42.46 | Verified | Field value reflects source document |
| 304092547 | Universal Loan Identifier (ULI) | xxxx | xxxx | Verified | Field value reflects source document |
| 304092547 | Appraisal As-Is Value | xxxx | xxxx | Verified | Field value reflects source document |
| 304012223 | Property Type | Single Family Detached | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304012223 | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304012223 | Margin | 0 |  | Verified | Fixed Rate |
| 304012151 | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304012151 | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 304012151 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304326013 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304326013 | PITIA Reserves Months |  | 14.57 | Verified | Field value reflects source document |
| 304326013 | Residual Income Amount | 3127.66 |  | Verified | Field value reflects source document |
| 304379639 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304379639 | Original Interest Rate | 9.375 | 7.25 | Verified | Field Value reflects the Note value |
| 304379639 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304379639 | Original CLTV | 75 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304379639 | Original LTV | 75 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304379639 | Investor: Qualifying Total Debt Ratio | 15.212 | 6.91817 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304381140 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304381140 | Cash From Borrower | xxxx | xxxx | Verified | Field value reflects source document |
| 304381140 | Investor: Qualifying Total Debt Ratio | 26.932 | 37.22442 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304381140 | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| 304427500 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304436479 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304423545 | Interest Rate Life Floor | 7.25 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the ARM rider |
| 304477105 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304477105 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304477105 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304438716 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304438716 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304438716 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304438716 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304485250 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304485250 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304492573 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304492573 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304477243 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Security Instrument |
| 304510932 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304510932 | Original Interest Rate | 8.13 | 7.875 | Verified | Field Value reflects the Note value |
| 304510932 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510932 | Representative FICO | 731 | 743 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510932 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510932 | Original CLTV | 85 | 82 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304510932 | Original LTV | 85 | 82 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304510932 | Investor: Qualifying Total Debt Ratio | 47.145 | 39.86296 | Verified | Review DTI in line with 1008 at 42.71% DTI |
| 304666654 | City | Rochester | Rochester Hills | Verified | Field Value reflects City per Note |
| 304666654 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304666654 | Original CLTV | 64 | 59.25926 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304666654 | Original LTV | 64 | 59.25926 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304666654 | Investor: Qualifying Total Debt Ratio | 33.985 | 38.23246 | Verified | 1008 reflect total DTI of 38.23% |
| 304637213 | Investor: Qualifying Total Debt Ratio | 6.17 | 9.46598 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304636475 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304490515 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304685308 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304685308 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304680597 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304680597 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304680597 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 304680597 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304671591 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304671591 | Investor: Qualifying Total Debt Ratio | 6.5 | 15.04057 | Verified | The new xxxx loan on the primary residence was not used in qualification |
| 304693477 | Investor: Qualifying Total Debt Ratio | 2 | 10.5712 | Verified | Matches 1008 |
| 304674475 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304674475 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304674475 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304674475 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304674475 | Decision System |  |  | Verified | Field value reflects source document |
| 304710813 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304710813 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304710813 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304710813 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304710813 | Original CLTV | 75 | 71.12069 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304710813 | Original LTV | 75 | 71.12069 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304710813 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304765910 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304716465 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304724081 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304764094 | Coborrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304764094 | Coborrower Last Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304682536 | Subject Debt Service Coverage Ratio | 1.20 | 1.18 | Verified | Lenders qualifying rent is $xxxx. Field value is calculating using xxxx which is using lower actual lease amounts. |
| 304365493 | Subject Debt Service Coverage Ratio | 1.26 | 1.25 | Verified | Within tolerance |
| 304828380 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304828380 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304828380 | Investor: Qualifying Total Debt Ratio | 42.99 | 22.1856 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304847532 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304855001 | Investor: Qualifying Total Debt Ratio | 30.94 | 23.68959 | Verified | LP approval reflects 26% DTI |
| 304839668 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304839668 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304839668 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304858328 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304858328 | Investor: Qualifying Total Debt Ratio | 31.98 | 28.64005 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304858910 | Representative FICO | 782 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304858910 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304858910 | Investor: Qualifying Total Debt Ratio | 36 | 49.65704 | Verified | 1008 approval reflects 49.93% DTI |
| 304866595 | Original Interest Rate | 6.38 | 6.375 | Verified | Field Value reflects the Note value |
| 304870088 | Investor: Qualifying Total Debt Ratio | 42.9 | 47.02928 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304899021 | Subject Debt Service Coverage Ratio | 1.89 | 1.85 | Verified | Used 100% of lease amount with lesser value. DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304894053 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304894075 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304893260 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304893260 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304893260 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304893260 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304893260 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304893260 | Original CLTV |  | 85 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304893260 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304859663 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304893298 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304893298 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304893298 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304893298 | Origination Channel | Correspondent | Retail | Verified | Field Value reflects Retail (Lender Originated) |
| 304893298 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304875843 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304875843 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304875843 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304875843 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304875843 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304875843 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304875843 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304902769 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304902769 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304902769 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304902769 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304871887 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304871887 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304875717 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304875717 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304859456 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304859456 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304859456 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304875657 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304875657 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304875657 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304875657 | Original CLTV |  | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304875657 | Origination Channel | Correspondent | Retail | Verified | Field Value reflects Retail (Lender Originated) |
| 304875657 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304902473 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304902473 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304902473 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304902746 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304902746 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304871839 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304871839 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304871839 | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304871839 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304902775 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Approval/AUS |
| 304902775 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304898946 | Amortization Term | 240 | 360 | Verified | Note reflects an IO period. |
| 304898946 | Interest Rate Life Cap | 5 | 4.8125 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 304898986 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304898986 | Subject Debt Service Coverage Ratio | 1.19 | 1.33 | Verified | Missing UW worksheet in file to reference lender DSCR. |
| 304848394 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304848394 | Investor: Qualifying Total Debt Ratio | 16.4484 | 24.75655 | Verified | Per 1008 DTI is 24.566% and calculated DTI is 24.756% due to land only property xxxx- taxes of $xxxx. |
| 304848394 | Decision System |  |  | Verified | Field value reflects source document |
| 304891091 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304891091 | Decision System |  |  | Verified | Field value reflects source document |
| 304875626 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304875626 | Decision System |  |  | Verified | Field value reflects source document |
| 304891078 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304891078 | Investor: Qualifying Total Debt Ratio | 34.4632 | 24.22999 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304870057 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304870057 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304870057 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304870057 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304892913 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304892913 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304892913 | Decision System |  |  | Verified | Field value reflects source document |
| 304893896 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304893896 | Original CLTV | 41.48 | 37.33333 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304893896 | Original LTV | 41.48 | 37.33333 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304893896 | Investor: Qualifying Total Debt Ratio | 22.5203 | 45.5446 | Verified | DTI variance - As per final 1003 full PITIA has been used for subject property , however as per 1008 subject rental income is reflecting as $xxxx.<br> As per note document PITIA amount $xxxx.<br> As per 1008 PITIA amount is $xxxx. |
| 304893896 | Decision System |  |  | Verified | Field value reflects source document |
| 304902469 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304902469 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304902469 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304902469 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304902469 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304902469 | Original CLTV |  | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304902469 | Product Description | xxxx | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| 304893108 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304893108 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304893108 | Original CLTV |  | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304893108 | Origination Channel | Correspondent | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 304893108 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304902467 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304902467 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304902467 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304902467 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304902467 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304902467 | Original CLTV |  | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304902467 | Product Description | xxxx | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| 304902470 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304902470 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304902470 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304902470 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304902470 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304902470 | Original CLTV |  | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304902470 | Product Description | xxxx | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| 304902577 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304902577 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304902577 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Approval/AUS |
| 304902577 | Original CLTV |  | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304902577 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304902528 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304902528 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304902528 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304902528 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304893235 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304866355 | Contract Sales Price | xxxx | xxxx | Verified | Refinance. |
| 304893291 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304893291 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 305037789 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305037789 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305037789 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 305037789 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 305024427 | Subject Debt Service Coverage Ratio | 1.23 | 1.26 | Verified | Lender considered qualifying rent $xxxx, field value $xxxx (lower of 110% market rent or lease amount). |
| 305043882 | Subject Debt Service Coverage Ratio | 1.47 | 1.30 | Verified | Lender calculated DSCR using market rent of $xxxx while field review utilized actual lease amount of $xxxx. |
| 305043886 | Subject Debt Service Coverage Ratio | 1.52 | 1.49 | Verified | Matching with DSCR Worksheet. Lender used title's tax amounts with higher value. Tax certificate is missing. |
| 304911621 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305037701 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305037701 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305037701 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 305037701 | Original CLTV |  | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305037701 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304894590 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304894590 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304894590 | Representative FICO | 769 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305034498 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305034498 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305034500 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305034500 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305034500 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304911642 | Subject Debt Service Coverage Ratio | 1.66 | 1.59 | Verified | Lender considered qualifying rent is $xxxx; field review utilizes market rents of $xxxx, as shown on Rent Roll and appraisal. |
| 305034510 | Subject Debt Service Coverage Ratio | 1.07 | 1.19 | Verified | Lender considered qualifying rent of 90% of market value ($xxxx), while field value utilizes full market rent of $xxxx. |
| 305034496 | Subject Debt Service Coverage Ratio | 1.36 | 1.22 | Verified | Property vacant, therefore applied 90% of market rent resulting in using lower rental income $xxxx. |
| 304911472 | Subject Debt Service Coverage Ratio | 1.45 | 1.61 | Verified | Lender used 90% of market rent and field value reflects 100% (property owned < 6 months). |
| 305034485 | Subject Debt Service Coverage Ratio | 1.60 | 1.77 | Verified | Lender considered 90% of market rent ($xxxx), while field review utilized full market rent of $xxxx (owned << 6 months). |
| 305034472 | Subject Debt Service Coverage Ratio | 1.14 | 1.20 | Verified | Lender total rent amount is $xxxx which is less than total market rent $xxxx. |
| 304902522 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304902522 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304893210 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304893210 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304893210 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304893210 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304893210 | Original CLTV |  | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304893210 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304893244 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304893244 | Origination Channel | Correspondent | Retail | Verified | Field Value reflects Retail (Lender Originated) |
| 304893244 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304859574 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304859574 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304893059 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304893059 | Product Description | xxxx | Fixed Rate | Verified | Field value reflects source document |
| 304872087 | Original LTV | 80.3 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304872089 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872070 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872067 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872067 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872067 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304872064 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872064 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872058 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872058 | Original LTV | 83.9 | 85 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304872056 | Original LTV | 46.07 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304872050 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872086 | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304872086 | Original LTV | 73.22 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304865745 | Contract Sales Price | xxxx | xxxx | Verified | Refinance. |
| 304866475 | Contract Sales Price | xxxx | xxxx | Verified | Refinance transaction. |
| 304866381 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866381 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872103 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872102 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872102 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 304872101 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720170 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720170 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304720170 | LTV Valuation Value | xxxx | xxxx | Verified | Field value reflects source document |
| 304872078 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872078 | Contract Sales Price | xxxx | xxxx | Verified | Refinance Transaction |
| 304872094 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872071 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872071 | Contract Sales Price | xxxx | xxxx | Verified | Loan is refinance. |
| 304872074 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868751 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868751 | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | Rounding Off factor. |
| 304872065 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304866176 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866176 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304866176 | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Due to round off |
| 304865469 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304865667 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865667 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304866241 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866241 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865492 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304865492 | Subject Debt Service Coverage Ratio | 1.34 | 1.37 | Verified | Lender PITIA used for the DSCR was $xxxx which is slightly higher than what was verified. This created the discrepancy in the DSCR. |
| 304866407 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866407 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304866407 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304866407 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304865636 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865636 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865636 | Contract Sales Price | xxxx | xxxx | Verified | Refinance loan |
| 304865942 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865942 | Contract Sales Price | xxxx | xxxx | Verified | Refinance |
| 304865942 | LTV Valuation Value | xxxx | xxxx | Verified | Field value reflects source document |
| 304866000 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865712 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865712 | Subject Debt Service Coverage Ratio | 1.20 | 1.21 | Verified | Due to rounding |
| 304865591 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865591 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865594 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865594 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304866097 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304866097 | Subject Debt Service Coverage Ratio | 1.52 | 1.53 | Verified | DSCR mismatch due to Round-off value. |
| 304865723 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865723 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865723 | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Due to round off. |
| 304872060 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872060 | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Missing asset depletion worksheet |
| 304865891 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868687 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872061 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872061 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872063 | Note Date | xxxx | xxxx | Verified | Bid Tape Field Value is not provided. |
| 304872057 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872057 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872057 | Subject Debt Service Coverage Ratio | 1.03 | 1.09 | Verified | Due to Round off |
| 304868712 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868698 | Note Date | xxxx | xxxx | Verified | Bid Tape Field Value was not provided. |
| 304868698 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304868698 | Subject Debt Service Coverage Ratio | 1.29 | 1.30 | Verified | Asset depletion used to calculate DSCR. Unable to determine amount used by underwriter and causing a discrepancy. Missing UW income worksheet. |
| 304872054 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872054 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872054 | Representative FICO | 808 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304868686 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865600 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865600 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304866491 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866075 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866075 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865697 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872073 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304872073 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304866177 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866177 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865804 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865804 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865719 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872072 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872055 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872055 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304872055 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304872052 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872052 | Subject Debt Service Coverage Ratio | 1.07 | 1.08 | Verified | Due to rounding. |
| 304872068 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |

---

## Exhibit 99.3

**Exhibit 99.3**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 303722518 | 26909330 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | 685 FICO | SitusAMC,Aggregator | xxxx |  |  | 12/13/2022 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 303722518 | 26909332 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | xxxx |  |  |  | xxxx | 12/14/2022 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 303722521 | 26909335 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | xxxx | 11/08/2021 |  |  | 1 C A |  | AL | Investment | Purchase | D A C |  | N/A | No |
| 303722521 | 26909336 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 06/30/2020 |  |  | 1 C A D |  | AL | Investment | Purchase | D A C |  | N/A | No |
| 303722509 | 26909421 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | xxxx | 11/08/2021 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 303722504 | 26909471 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | xxxx | 12/09/2022 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 303722504 | 26909472 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 07/16/2020 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 303722504 | 26909473 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship was not provided |  | xxxx |  |  |  | xxxx | 07/02/2020 |  |  | 1 B A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 303722492 | 26909624 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  |  |  | xxxx | 07/17/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909642 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Supporting secondary BPO was provided.; Sec ID: 5 |  |  |  |  |  | xxxx | 03/16/2026 |  |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909641 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 05/03/2022 |  |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909640 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Added following additional review of trailing documents. Missing Background report and non-expired photo ID for individual signing on behalf of borrowing entity. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Client elects to waive Spousal Consent requirements. | SitusAMC,Originator,Aggregator | xxxx |  |  | 08/17/2020 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909639 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Added following additional review of trailing documents. Per guidelines, all signors for all application documents, closing documents must be Members/ Managers that are named on the entity documents and be named on all supporting documents provided during the loan review process. Entity documents do not reveal that authorized signer xxxx is a member/manager of the borrowing entity. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | xxxx |  |  | 07/31/2020 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909638 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | xxxx |  |  | 07/24/2020 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909637 |  | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. |  |  |  |  |  | xxxx | 07/16/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909636 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | xxxx | 07/16/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909635 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Entity Review Checklist is missing from loan file. |  |  |  | xxxx | 07/29/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909634 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/17/2020 |  |  | 1 C A D |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909632 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | xxxx |  |  | 09/08/2022 | 1 A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909633 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | xxxx | 10/25/2021 |  |  | 1 D A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909623 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | xxxx | 07/30/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909625 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | xxxx | 07/17/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909626 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | xxxx | 07/17/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909627 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | xxxx | 07/16/2020 |  |  | 1 D A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909628 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | xxxx | 07/16/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909629 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  |  |  | xxxx | 08/21/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722492 | 26909630 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | xxxx | 07/16/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909739 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  | xxxx | 05/03/2022 |  |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909738 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Supporting secondary BPO was provided.; Sec ID: 5 | Note Date: ___; Lien Position: ___ |  |  |  |  | xxxx | 03/16/2026 |  |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909737 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Added following additional review of trailing documents. Per guidelines, all signors for all application documents, closing documents must be Members/ Managers that are named on the entity documents and be named on all supporting documents provided during the loan review process. Entity documents do not reveal that authorized signer xxxx is a member/manager of the borrowing entity. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Client elects to waive Spousal Consent requirements. | SitusAMC,Originator,Aggregator | xxxx |  |  | 07/30/2020 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909736 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Client elects to waive Spousal Consent requirements. | SitusAMC,Originator,Aggregator | xxxx |  |  | 07/24/2020 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909735 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  |  |  |  |  | xxxx | 07/15/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909734 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | xxxx | 09/08/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909733 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Entity Review Checklist missing from loan file. |  |  |  | xxxx | 07/31/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909732 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/15/2020 |  |  | 1 C A D |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909731 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | xxxx | 10/25/2021 |  |  | 1 D A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909728 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | xxxx | 07/15/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909727 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided |  |  |  |  |  | xxxx | 08/10/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909726 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | xxxx | 07/16/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909725 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | xxxx | 07/15/2020 |  |  | 1 D A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909724 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | xxxx | 07/15/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909723 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | xxxx | 07/17/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909722 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | xxxx | 07/15/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909721 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  |  |  | xxxx | 07/31/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722485 | 26909720 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | xxxx | 07/15/2020 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 303722483 | 26909797 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | xxxx | 07/29/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909798 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 07/20/2020 |  |  | 1 D A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909800 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | xxxx | 07/20/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909801 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | xxxx | 07/20/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909802 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | xxxx | 07/30/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909803 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | xxxx | 07/20/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909804 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | xxxx | 07/20/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909805 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's Experience/Track Record | Client elects to waive Spousal Consent requirements. | SitusAMC<br>SitusAMC,Aggregator | xxxx |  |  | 10/08/2020 | 2 C B |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909806 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 | Note Date: ___; Lien Position: ___ | xxxx |  |  |  | xxxx | 12/14/2022 |  |  | 1 D A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909807 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | xxxx |  |  |  | xxxx | 07/29/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909808 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/30/2020 |  |  | 1 C A D |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909809 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 08/24/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909810 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  | Borrower's Experience/Track Record | Client elects to waive Spousal Consent requirements. | SitusAMC,Aggregator | xxxx |  |  | 07/24/2020 | 2 C B |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722483 | 26909811 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Added following additional review of trailing documents. Per guidelines, all signors for all application documents, closing documents must be Members/ Managers that are named on the entity documents and be named on all supporting documents provided during the loan review process. Entity documents do not reveal that authorized signer xxxx is a member/manager of the borrowing entity. | Borrower's Experience/Track Record | Client elects to waive Spousal Consent requirements. | SitusAMC,Aggregator | xxxx |  |  | 07/30/2020 | 2 B |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910034 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | xxxx | 07/20/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910035 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  |  |  | xxxx | 07/29/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910036 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | xxxx | 07/20/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910037 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | xxxx | 07/29/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910038 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | xxxx | 07/20/2020 |  |  | 1 D A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910039 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 08/24/2020 |  |  | 1 C A D |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910040 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | xxxx | 07/20/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910041 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | xxxx | 07/20/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910042 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | xxxx | 07/29/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910044 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 | Note Date: ___; Lien Position: ___ |  |  |  |  | xxxx | 12/14/2022 |  |  | 1 D A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910046 |  | Credit | Credit | Credit Documentation | Credit | A credit report was not pulled for all members of the borrowing entity as required by guidelines. |  | xxxx |  |  |  | xxxx | 08/03/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910048 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | xxxx | 07/29/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910050 |  | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. |  |  |  |  |  | xxxx | 07/20/2020 |  |  | 1 C A |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910052 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Marital Status was not provided |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects. |  | SitusAMC | xxxx |  |  | 08/25/2020 | 2 B |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 26910053 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Added following additional review of trailing documents. Per guidelines, all signors for all application documents, closing documents must be Members/ Managers that are named on the entity documents and be named on all supporting documents provided during the loan review process. Entity documents do not reveal that authorized signer xxxx is a member/manager of the borrowing entity. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit exception approval with compensating factors provided. | SitusAMC,Originator,Aggregator | xxxx |  |  | 08/03/2020 | 2 B |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303722471 | 27492682 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Credit exception approval with compensating factors provided. | SitusAMC,Originator,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/19/2022 | 2 B |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 303760125 | 28894589 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | xxxx |  |  |  | xxxx | 05/23/2023 |  |  | 1 D A |  | PA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 303760125 | 28894591 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower has owned the subject property for at least 5 years. | The DSCR of 1.49 is greater than the minimum required DSCR of 1.00. | SitusAMC,Originator Pre-Close,Originator,Aggregator<br>SitusAMC | xxxx |  |  | 05/25/2023 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 303760125 | 28894593 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.49 is greater than the minimum required DSCR of 1.00. | SitusAMC,Originator Pre-Close,Originator,Aggregator | xxxx |  |  | 05/16/2023 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304012200 | 29999340 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 04/29/2022 |  |  | 1 D A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999341 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 04/29/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999342 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | xxxx | 04/29/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999343 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | xxxx | 04/29/2022 |  |  | 1 D A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999344 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | xxxx | 04/29/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999345 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | xxxx |  |  |  | xxxx | 05/04/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999347 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  |  |  | xxxx | 04/29/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999348 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 05/02/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999349 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | xxxx |  |  |  | xxxx | 05/02/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999350 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 05/04/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999351 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation is missing from the file and required per guidelines. |  |  |  |  |  | xxxx | 05/02/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999352 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  | xxxx |  |  |  | xxxx | 05/02/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999354 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 05/06/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999355 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  | xxxx |  |  |  | xxxx | 04/29/2022 |  |  | 1 D A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999356 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing recent VOM for mortgage(s) secured by subject property |  |  |  | xxxx | 05/04/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999357 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 05/02/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999358 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided |  |  |  |  |  | xxxx | 04/29/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999359 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | xxxx |  |  |  | xxxx | 05/02/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999360 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 05/02/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999361 |  | Credit | Investment Product | General | Investment Product | Documentation signed by the borrower stating the purpose for the Cash-Out was not found and is required. |  |  |  |  |  | xxxx | 05/02/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999362 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | CDA or ARR required unless SRR scores from both FNMA and FHLMC are 2.5 or less. Both reports were provided and the LCA score exceeds 2.5, which requires a CDA/ARR valuation. |  |  |  | xxxx | 05/04/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012200 | 29999363 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Hazard insurance mailing address is the same as the subject investment address thus casting doubt on the business purpose of the loan. Please provide corrected HOI reflecting correct mailing address. |  |  |  | xxxx | 05/04/2022 |  |  | 1 A |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304012167 | 29999380 |  | Credit | Credit | Credit Documentation | Credit | Borrower does not own current residence and thus casts doubt on business purpose of loan. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 747 > 660 | SitusAMC,Originator<br>SitusAMC | xxxx |  |  | 05/25/2022 | 2 B |  | RI | Investment | Purchase | C B A |  | N/A | No |
| 304012167 | 29999382 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 747 > 660 | SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 05/31/2022 | 2 C B |  | RI | Investment | Purchase | C B A |  | N/A | No |
| 304012167 | 29999383 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | xxxx |  |  |  | xxxx | 05/31/2022 |  |  | 1 C A |  | RI | Investment | Purchase | C B A |  | N/A | No |
| 304012167 | 29999384 |  | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | xxxx |  |  |  | xxxx | 05/31/2022 |  |  | 1 C A |  | RI | Investment | Purchase | C B A |  | N/A | No |
| 304012167 | 29999385 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 06/02/2022 |  |  | 1 C A |  | RI | Investment | Purchase | C B A |  | N/A | No |
| 304012167 | 29999386 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | xxxx |  |  |  | xxxx | 06/10/2022 |  |  | 1 C A |  | RI | Investment | Purchase | C B A |  | N/A | No |
| 304012167 | 29999387 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | xxxx | 06/07/2022 |  |  | 1 C A |  | RI | Investment | Purchase | C B A |  | N/A | No |
| 304012145 | 29999402 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 06/17/2022 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304012145 | 29999404 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Prepayment penalty period is blank. |  | xxxx |  |  |  | xxxx | 06/29/2022 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304012145 | 29999406 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx |  |  |  | xxxx | 06/17/2022 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304012145 | 29999407 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 06/17/2022 |  |  | 1 C A D |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304012145 | 29999408 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing the Lease agreements for Unit 2 and unit 3 as the HUD indicates that the leases were transferred. |  |  |  | xxxx | 06/29/2022 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304089131 | 30044207 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  | 01/10/2024 | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304090126 | 30063131 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx | 12/29/2023 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304090126 | 30063132 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/29/2023 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304092468 | 30063273 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 01/12/2024 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304092468 | 30063276 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | xxxx | 01/16/2024 |  |  | 1 B A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304092468 | 30063278 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | xxxx |  |  |  | xxxx | 01/11/2024 |  |  | 1 A |  | IL | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304092468 | 30063279 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,700.00 exceeds tolerance of $1,873.00 plus 10% or $2,060.30. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 01/11/2024 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304092468 | 30063280 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,194.80 exceeds tolerance of $3,996.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 01/18/2024 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304092547 | 30103791 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 01/05/2024 | 2 B |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304092547 | 30103792 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 01/08/2024 |  |  | 1 C A |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304092547 | 30103793 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 01/08/2024 |  |  | 1 C A |  | DE | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304012223 | 30207715 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | xxxx | 04/15/2022 |  |  | 1 D A |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304012223 | 30207717 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | xxxx |  |  | 05/25/2022 | 2 B |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304012223 | 30207718 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | xxxx | 04/15/2022 |  |  | 1 C A |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304012223 | 30207719 |  | Credit | Credit | Credit Documentation | Credit | Borrower does not own current residence and thus casts doubt on business purpose of loan. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | xxxx | 05/25/2022 |  |  | 1 B A |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304012223 | 30207720 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  |  |  |  |  | xxxx | 04/15/2022 |  |  | 1 D A |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304012223 | 30207721 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | xxxx |  |  |  | xxxx | 04/21/2022 |  |  | 1 C A |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304012223 | 30207722 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  | xxxx |  |  |  | xxxx | 04/18/2022 |  |  | 1 C A |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304012223 | 30207723 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 04/18/2022 |  |  | 1 C A |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304012223 | 30207724 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 04/18/2022 |  |  | 1 A |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304012223 | 30207725 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 05/25/2022 |  |  | 1 A |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 304012151 | 30207774 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property |  | xxxx |  |  |  | xxxx | 06/09/2022 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 304012151 | 30207775 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 06/09/2022 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 304379639 | 31464329 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2024). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2024) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MO | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304381218 | 31618579 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $94.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/10/2024 |  | 1 A |  | CA | Investment | Purchase | Final CD evidences Cure A | N/A | N/A | Yes |
| 303760022 | 31801294 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | xxxx |  |  |  | xxxx | 09/13/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 303760022 | 31801295 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/13/2024 |  |  | 1 C A D |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304381140 | 32074783 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 06/18/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304381140 | 32074784 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC,Aggregator | xxxx |  |  | 06/17/2024 | 2 C B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304381140 | 32074789 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $625.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/18/2024 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304381140 | 32074792 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | xxxx | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/03/2024 | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304381140 | 32074793 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $625.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/18/2024 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304427500 | 32196428 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,010.00 exceeds tolerance of $700.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/27/2024 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304427500 | 32196429 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $528.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/27/2024 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304427500 | 32269602 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,010.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/27/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304436479 | 32351357 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304436479 | 32351431 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304436479 | 32434663 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal indicates there is water damage to the roof. A satisfactory inspection form a certified Roof inspector is required |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304459326 | 32509203 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304459326 | 32541136 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $705.00 exceeds tolerance of $505.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/02/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304459326 | 32541137 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,702.50 exceeds tolerance of $4,294.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/02/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304477105 | 32600701 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304477105 | 32603027 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $117.44 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/09/2025 |  | 1 A |  | GA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304438716 | 32636333 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: MERS Min Number was not provided |  | xxxx |  |  |  | xxxx | 12/03/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304438716 | 32636334 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | xxxx |  |  |  | xxxx | 12/03/2024 |  |  | 1 B A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304438716 | 32636335 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 12/03/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304438716 | 32636336 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx |  |  |  | xxxx |  |  | 12/02/2024 | 3 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304438716 | 32636337 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | xxxx |  |  | 12/02/2024 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304485250 | 32721723 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $868.60 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/28/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304492573 | 32815458 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304492573 | 32815461 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $270.50 exceeds tolerance of $199.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/10/2025 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304510939 | 32850126 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,680.50 exceeds tolerance of $1,679.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/14/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304510939 | 32852959 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPA letter does not state that the withdrawal of the funds will not negatively impact the business since the business assets are being used for closing costs and reserves. |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304477243 | 32880841 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304498533 | 32885754 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304477308 | 32909551 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304477308 | 32944392 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/11/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304475192 | 32985097 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304666663 | 33100590 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $6,300.00 exceeds tolerance of $5,906.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/28/2025 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304637213 | 33089173 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $705.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/20/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304636475 | 33108405 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-413.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304636475 | 33108407 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,116.90 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304663734 | 33176860 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304663734 | 33412094 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $10.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/06/2025 |  | 1 A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304682081 | 33322465 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304685308 | 33359078 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,430.48 exceeds tolerance of $-2,548.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304680597 | 33382690 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304680597 | 33382693 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $6,966.00 exceeds tolerance of $6,853.50. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304680597 | 33382694 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304680597 | 33382695 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 06/27/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304691488 | 33409134 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $262.61 exceeds tolerance of $140.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/05/2025 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304671591 | 33438563 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 304671591 | 33444390 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 304693477 | 33438523 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 304693477 | 33438533 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 304693477 | 33438612 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 304674475 | 33437040 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 04/15/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D A | Non QM | Non QM | No |
| 304720501 | 33579407 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 06/11/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304720501 | 33594076 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 06/10/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304720501 | 33594169 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 11.76755% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/17/2025 | 2 C B |  | LA | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304720499 | 33648660 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304687273 | 33662066 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304687273 | 33662424 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,266.00 exceeds tolerance of $1,863.00 plus 10% or $2,049.30. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 07/25/2025 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304405506 | 33936487 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 03/27/2025 |  |  | 1 C A D |  | IN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304710813 | 33936743 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 06/10/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304734673 | 34004937 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304734673 | 34004939 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 08/06/2025 |  | 2 C B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304734673 | 34004940 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 08/06/2025 |  | 2 C B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304734673 | 34004942 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,658.25 exceeds tolerance of $533.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304730010 | 34098162 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approval for non-approved AMC is found on the UW Narrative. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/25/2025 | 2 C B |  | WI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304765910 | 34238521 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/19/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304765910 | 34238522 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $99.00 exceeds tolerance of $89.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/19/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304716465 | 34225387 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304716465 | 34225388 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A D |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304716465 | 34225390 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 06/24/2025 |  |  | 1 C A |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304716465 | 34225391 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 06/24/2025 |  |  | 1 C A D |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304716465 | 34225392 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 06/24/2025 |  |  | 1 C A |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304716465 | 34225393 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: ___; Lien Position: ___ | xxxx |  |  |  | xxxx | 07/17/2025 |  |  | 1 D A |  | NC | Investment | Purchase | D A |  | N/A | No |
| 304724081 | 34225568 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 304764094 | 34298290 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 304764094 | 34298291 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 304764094 | 34298292 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 304365493 | 34283143 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304365493 | 34283144 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | xxxx |  |  |  | xxxx | 07/27/2024 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304365493 | 34283145 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304823103 | 34416071 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304823103 | 34416072 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304823103 | 34416073 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304823103 | 34416074 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304823103 | 34416075 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304823103 | 34416076 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304823103 | 34416077 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304823103 | 34416079 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Non QM | Non QM | No |
| 304823103 | 34416087 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304823103 | 34416088 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $11,484.00 exceeds tolerance of $8,932.00. $2,552.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304828380 | 34485299 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 10/14/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304828380 | 34613458 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Interest Only Payment Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Interest Only Payments Period. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304828380 | 34613459 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304828380 | 34613460 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304828380 | 34613461 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the Principal and Interest Payment can change. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304828380 | 34613462 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304828380 | 34613463 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304828380 | 34613464 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304828380 | 34613465 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304828380 | 34613754 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304828380 | 34613798 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 B A C |  | CA | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304828380 | 34613799 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304828380 | 34902654 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304828380 | 34902663 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 A |  | CA | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304828132 | 34516807 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304828132 | 34516825 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 31.24229% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/14/2025 | 2 C B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304769950 | 34514620 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Approval granted to use alternative credit tradeline for co-borrower. Co-borrower provided 12-months of utility bills. Compensating factors DSCR > 1.70, Low LTV. 120K+ in excess reserves. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/19/2025 | 2 B |  | IL | Investment | Purchase | B A |  | N/A | No |
| 304822422 | 34538851 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304822422 | 34538868 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304826753 | 34577506 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304847523 | 34673937 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304847523 | 34673939 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $220.00 exceeds tolerance of $185.00 plus 10% or $203.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/08/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304844770 | 34710311 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304844770 | 34710316 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $100.00 threshold. | xxxx |  |  |  | xxxx |  | 11/20/2025 |  | 2 C B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304844770 | 34710317 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304847532 | 34760565 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304847532 | 34762656 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $525.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/20/2025 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304843761 | 34803066 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Credit score of 794, minimum required is 760. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/27/2025 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304843761 | 34803088 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,450.00 exceeds tolerance of $1,100.00. $350.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304843761 | 34804879 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | The representative FICO score is above 680.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Credit score of 794, minimum required is 760. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/05/2025 | 2 C B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304843761 | 34841486 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,150.00 exceeds tolerance of $1,100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/29/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304843761 | 34841487 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,250.00 exceeds tolerance of $1,100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/29/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304849326 | 34804213 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304849326 | 34812890 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304858328 | 34942891 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/10/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304858328 | 34942892 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $622.44 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/10/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304866595 | 34971885 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304866595 | 34972432 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304866595 | 34972433 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304866595 | 34972434 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304866595 | 34972435 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | OK | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304866595 | 34972436 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304866595 | 34972437 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  |  | 2 B |  | OK | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304866595 | 34991972 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. $25.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304866595 | 34991988 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for CPA Letter. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304866595 | 35157593 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $475.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 12/04/2025 |  | 1 A |  | OK | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304870088 | 35024056 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CO | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304870088 | 35024098 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 12/03/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304870088 | 35024099 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304847751 | 35072867 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304867476 | 35073052 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file to use one appraiser for all four properties of guarantor. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Guidelines Representative FICO: 680<br> Representative FICO: 788<br>Debt Service Coverage Ratio: 2.01<br> Guideline Requirement: 1.00 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/05/2025 | 2 C B |  | MI | Investment | Purchase | C B A |  | N/A | No |
| 304847728 | 35073063 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304899024 | 35235222 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304894075 | 35314931 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 12/03/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304893260 | 35351735 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304893260 | 35351736 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304893260 | 35351737 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304893260 | 35351738 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 B A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304893260 | 35351739 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304893260 | 35351741 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304893260 | 35351745 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304893260 | 35351747 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304893260 | 35351748 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304859663 | 35351761 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A | Non QM | N/A | No |
| 304875843 | 35351781 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304875843 | 35351782 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304859456 | 35351834 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304875657 | 35352620 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304875657 | 35352622 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | For both of the borrower businesses we need verification of the existence of the business. Verify the existence of the business, within 60-days of the Note date, to ensure the business is active with the following; a letter from either the business tax professional certifying two years of self-employment in the same business, or regulatory agency or licensing Bureau reflecting license is still active and not expired; or an internet search that verifies business' phone number or address. |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304875657 | 35352625 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304875657 | 35352626 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 304875657 | 35352627 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304875657 | 35352628 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304875657 | 35352629 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304902746 | 35352640 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 B A |  | WI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304902746 | 35352641 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 B A |  | WI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304902746 | 35352642 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304902746 | 35352643 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304871839 | 35352654 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 B A C |  | CT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304871839 | 35352655 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| 305024422 | 35487434 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC | xxxx |  |  | 09/04/2025 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304898946 | 35487543 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304899093 | 35487551 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304899123 | 35487571 |  | Credit | Investment Product | General | Investment Product | Lease Remaining Months of |  | xxxx | Borrower's Experience/Track Record | Borrower's Experience/Track Record. | SitusAMC,Originator | xxxx |  |  | 11/26/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304899123 | 35487572 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use 100% of assets in xxxx with xxxx as account holder with guarantor's 50% ownership. | Borrower's Experience/Track Record | Borrower's Experience/Track Record. | SitusAMC,Originator | xxxx |  |  | 11/26/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304848394 | 35583713 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $9,223.63 may be required. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | OH | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304848394 | 35583714 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | OH | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304848394 | 35583715 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  | xxxx | 10/15/2025 |  |  | 1 B A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848394 | 35583716 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | xxxx | 10/15/2025 |  |  | 1 B A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848394 | 35583718 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 B A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848394 | 35583719 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 B A |  | OH | Primary | Purchase | Good faith redisclosure C B A | Non QM | Non QM | Yes |
| 304848394 | 35583720 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848394 | 35583721 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848394 | 35583722 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848394 | 35583724 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following:<br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848394 | 35583725 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 B A C |  | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304848394 | 35583726 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848394 | 35583727 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | 782 vs 680 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/14/2025 | 2 C B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848394 | 35583728 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848394 | 35583729 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 A |  | OH | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304848394 | 35583730 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,287.00 exceeds tolerance of $2,035.00 plus 10% or $2,238.50. $48.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 A |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304848394 | 35583731 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $127.00 exceeds tolerance of $0.00. $127.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 A |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304848394 | 35583732 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304848394 | 35583733 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304861646 | 35583762 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 10/23/2025 | 2 B |  | SC | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304861646 | 35583763 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $42.00 plus 10% or $46.20. $28.80 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/25/2025 |  | 2 C B |  | SC | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304861646 | 35583764 |  | Credit | Missing Document | General | Missing Document | Missing Document: W-2 not provided |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 A |  | SC | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304891091 | 35583825 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304891091 | 35583827 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $188.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/05/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304891091 | 35583828 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304891091 | 35583829 |  | Credit | Missing Document | General | Missing Document | Missing Document: VVOE not provided |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304875626 | 35583979 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | xxxx |  |  |  | xxxx | 12/10/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 304875626 | 35583981 |  | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 304875626 | 35583984 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 304875626 | 35583985 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing: <br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 304875626 | 35583986 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304875626 | 35583987 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 304891078 | 35584071 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304891078 | 35584072 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 11/28/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304891078 | 35584073 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 11/28/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304891078 | 35584075 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 1 C A |  | SC | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304891078 | 35584076 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $215.00 exceeds tolerance of $175.00. $40.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 12/03/2025 |  | 2 C B |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304870057 | 35584095 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 12/08/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C B A |  | N/A | No |
| 304870057 | 35584096 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 12/09/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C B A |  | N/A | No |
| 304870057 | 35584097 |  | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty 2009 Investment Test | Maryland SB270: Alternate prepayment penalty testing methodology utilized under §12-105(c)(4) allowing prepays over prescribed limits to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by SitusAMC outside counsel given the ambiguity in the state law. | xxxx |  |  |  | xxxx |  |  | 11/21/2025 | 2 B |  | MD | Investment | Purchase | C B A |  | N/A | No |
| 304892913 | 35584169 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304893896 | 35584182 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx |  |  | 12/08/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 304893896 | 35584183 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 12/03/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 304893896 | 35584184 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 12/03/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 304893896 | 35584185 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | xxxx |  |  |  | xxxx | 12/08/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 304902469 | 35593461 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593462 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593463 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593464 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593465 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593466 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593467 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593468 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593469 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593470 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593471 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593472 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593473 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593474 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593475 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593476 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902469 | 35593477 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304893108 | 35593484 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | xxxx | 12/15/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304893108 | 35593486 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-114.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304893108 | 35593488 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,696.61 exceeds tolerance of $0.00. $1,696.61 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304893108 | 35593489 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,712.60 exceeds tolerance of $2,411.00. $301.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304902467 | 35593493 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902467 | 35593494 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902467 | 35593495 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902467 | 35593496 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902467 | 35593497 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902467 | 35593498 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902467 | 35593499 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902470 | 35593502 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902470 | 35593503 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902470 | 35593504 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902470 | 35593505 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902470 | 35593506 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902470 | 35593507 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902470 | 35593508 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902470 | 35593509 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902470 | 35593510 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902470 | 35593511 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 304902528 | 35593531 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $235.32 exceeds tolerance of $135.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 12/09/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304902528 | 35593535 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 12/15/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304866355 | 35688519 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. | xxxx |  |  |  | xxxx |  | 10/31/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Exempt from ATR | Exempt from ATR | Yes |
| 304866355 | 35688520 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether property taxes are included in escrow. | xxxx |  |  |  | xxxx |  | 10/31/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Exempt from ATR | Exempt from ATR | Yes |
| 304866355 | 35688521 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/12/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Exempt from ATR | Exempt from ATR | Yes |
| 304866355 | 35688522 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 11/12/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Exempt from ATR | Exempt from ATR | Yes |
| 304866355 | 35688523 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $35.00 threshold. | xxxx |  |  |  | xxxx |  | 11/12/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Exempt from ATR | Exempt from ATR | Yes |
| 304866355 | 35688524 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $775.00 exceeds tolerance of $0.00. $775.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/12/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 304866355 | 35688525 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA letter provided in file for xxxx does not confirm borrower's percent of ownership and that CPA has no affiliation with borrower or the business. |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 304866355 | 35688526 |  | Credit | Guideline | Guideline Issue | Guideline | The property site acres is greater than 10 acres which does not meet guidelines. |  | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Loan to Value: 20.66667%<br> Guideline Maximum Loan to Value: 70.00000%<br>Reserves: 81.73<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 711<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $3,218.17 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 10/23/2025 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 304866355 | 35688527 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 304866355 | 35688528 |  | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | xxxx |  |  |  | xxxx |  | 11/19/2025 |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form (If corresponding material disclosure exception has not been sufficiently cured, LOE, refund/adjustment, corrected TIL/CD, and proof of delivery required to cure material disclosure exception as applicable). B | Exempt from ATR | Exempt from ATR | Yes |
| 304893291 | 35771054 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/11/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| 304893291 | 35771055 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 12/11/2025 |  |  | 1 B A |  | LA | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| 305043879 | 35772793 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 305043879 | 35772794 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 305043879 | 35772796 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 01/13/2026 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 305043880 | 35772800 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Debt Service Coverage Ratio: 1.92<br> Guideline Requirement: 1.00<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 12/01/2025 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305043876 | 35772806 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for transfer of appraisal subject to transfer letter and proof of invoice. |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 305043876 | 35772807 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  |  | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/26/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 305043872 | 35772820 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 01/08/2026 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 305043872 | 35772821 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 305043872 | 35772822 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflect a different lender. Appraisal transfer letter is provided. Exception approval for transferred appraisal is found on the UW narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 305043886 | 35772828 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | xxxx |  |  |  | xxxx | 12/22/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304911621 | 35772830 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 12/30/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 305043867 | 35772836 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approval for non-approved AMC is found on the UW Narrative; Lender is BPL Mortgage with non-approved AMC. 2 Unit as is value $xxxx. Average-Good condition. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 01/04/2026 | 2 C B |  | CT | Investment | Purchase | C B A |  | N/A | No |
| 305043867 | 35772837 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 01/04/2026 |  |  | 1 C A |  | CT | Investment | Purchase | C B A |  | N/A | No |
| 304911637 | 35772842 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception has been requested and approved for the appraisal transfer letter and paid invoice. |  |  |  | xxxx | 01/09/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305043878 | 35772874 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 01/21/2026 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304894590 | 35861368 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 12/04/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 304894590 | 35861371 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 01/21/2026 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 304894590 | 35861372 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 304894590 | 35861373 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 305034498 | 35862530 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 11/22/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304911642 | 35862536 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record. | Originator,SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 01/16/2026 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304911472 | 35862544 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal is not in Lender's name. Lender exception approved using transferred appraisal with approved AMC. Appraisal Transfer letter and paid invoice provided in file. |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305024370 | 35862549 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  | xxxx | 12/17/2025 |  |  | 1 B A |  | MO | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305034480 | 35862556 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | xxxx |  |  |  | xxxx | 01/09/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305034480 | 35862557 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | The Final Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  | xxxx | 01/09/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305034472 | 35862559 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | xxxx |  |  |  | xxxx | 01/09/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A B |  | N/A | No |
| 305034472 | 35862560 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | xxxx |  |  |  | xxxx | 01/09/2026 |  |  | 1 B A |  | TX | Investment | Refinance - Rate/Term | C A B |  | N/A | No |
| 305034446 | 35862561 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW Narrative reflects The Lender Exception has been requested and approved to proceed with the transfer appraisal from non approved AMC. Requested appraisal transfer letter and proof of appraisal paid invoice is in the file. |  |  |  | xxxx | 01/09/2026 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304902522 | 35893813 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| 304893210 | 35893817 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | xxxx | 12/10/2025 |  |  | 1 B A |  | MD | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304893210 | 35893821 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 12/10/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304893244 | 35893825 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/28/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 304709392 | 35940326 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to proceed with a transferred appraisal that does not have an AMC. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Documentation Type: 2yr 1099<br> Disposable Income: $26,997.42<br>Reserves: 17.62<br> Guideline Requirement: 9.00<br>Loan to Value: 48.64865%<br> Guideline Maximum Loan to Value: 70.00000% | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 05/08/2025 | 2 B |  | HI | Second Home | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 304709392 | 35940328 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | HI | Second Home | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872087 | 35940330 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Bank Statement of Account# xxxx is missing in file for xxxx Year for borrower's bank Statement income calculation. |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872087 | 35940331 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872087 | 35940332 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872087 | 35940333 |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | xxxx | 08/04/2025 |  |  | 1 B A |  | OK | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872087 | 35940334 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872087 | 35940335 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Compliant Higher Priced Loan. |  |  |  |  | xxxx |  |  | 08/12/2025 | 2 B |  | OK | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 304872087 | 35940336 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872070 | 35940352 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| 304872070 | 35940355 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| 304872070 | 35940356 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | OFAC red flag on fraud report |  | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| 304872067 | 35940361 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Per the 1003 the individual borrower shows self employed, however the Operating Agreement for the company shows the Guarantor with 100% ownership of the business. |  |  |  | xxxx | 09/24/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A | Exempt from ATR | N/A | No |
| 304872064 | 35940363 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 10/03/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A C | Exempt from ATR | N/A | No |
| 304872064 | 35940364 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A C | Exempt from ATR | N/A | No |
| 304872064 | 35940365 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A C | Exempt from ATR | N/A | No |
| 304872058 | 35940369 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TRID timing exception, no remediation available. C B A | Exempt from ATR | Exempt from ATR | No |
| 304872058 | 35940372 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872058 | 35940373 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/06/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872056 | 35940378 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $165.00 exceeds tolerance of $144.00 plus 10% or $158.40. $6.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 304872056 | 35940379 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A D |  | CA | Primary | Purchase | D B A C | Exempt from ATR | Exempt from ATR | No |
| 304872056 | 35940380 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/04/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 304872050 | 35940384 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) | Connecticut Non-Prime Home Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Loan. | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 B A |  | CT | Primary | Refinance - Cash-out - Other | "Within 90 days of closing, and prior to the commencement of any action against a lender, the borrower is notified of the violation and the lender makes appropriate restitution by either: <br> (a) making the nonprime home loan comply with the applicable provisions of the law; or <br> (b) changing the terms of the mortgage in a manner beneficial to the borrower so that the mortgage will no longer be considered a nonprime home loan;<br>Provide: Letter of Explanation and either: For option (a), proof of cure for each of the prohibited practice violations noted; or For option (b), a copy of refund check and proof of mailing.<br>OR<br>(Narrow Defense - CHD Approval Required) The lender is able to show by a preponderance of evidence (no timeframe noted) that the compliance failure was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. Provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the Non-Prime Home Loan threshold maximum; and (3) proof of delivery.<br>OR <br>The lender and borrower otherwise reach a mutual agreement on an appropriate remedy or curative action." | Non QM | Non QM | Yes |
| 304872050 | 35940385 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Connecticut Non-Prime Home Loan (Counseling Notice Not Provided) | Connecticut Non-Prime Home Loan (HB5577): Counseling Notice (with toll-free number) not provided to borrower. |  |  |  |  | xxxx | 10/23/2025 |  |  | 1 B A |  | CT | Primary | Refinance - Cash-out - Other | See any available cure under the Connecticut Non-Prime Home Loan threshold exception. A | Non QM | Non QM | No |
| 304872050 | 35940387 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 B A C |  | CT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304872050 | 35940388 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304872050 | 35940389 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304872050 | 35940390 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | P&L was completed by a PTIN which does not meet guideline requirments. Guidelines require the P&L to be completed by one of the following, Certified Public Accountant, Enrolled Agent, CTEC, Chartered Tax Adviser or Independent Licensed Accountant. |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304872050 | 35940391 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304866313 | 35940398 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 304865900 | 35940402 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-5,325.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes |
| 304865900 | 35940403 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $195.00 exceeds tolerance of $151.00 plus 10% or $166.10. $28.90 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes |
| 304865900 | 35940404 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $195.00 exceeds tolerance of $151.00 plus 10% or $166.10. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/28/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes |
| 304865745 | 35940408 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA letter in file is not in the borrower's name. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx | 11/10/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 304865745 | 35940409 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/06/2025 | 2 B |  | NV | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 304866475 | 35940413 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 304866475 | 35940414 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $247.00 exceeds tolerance of $154.00 plus 10% or $169.40. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/21/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 304866475 | 35940415 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Reserves: 12.10<br> Guideline Requirement: 3.00 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 10/23/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 304872103 | 35940426 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 54.21<br> Guideline Requirement: 2.00 | SitusAMC | xxxx |  |  | 03/21/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304872103 | 35940428 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 04/01/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304872103 | 35940429 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304872103 | 35940430 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 54.21<br> Guideline Requirement: 2.00 | SitusAMC | xxxx |  |  | 03/21/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304872102 | 35940432 |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 125.78<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 740 | SitusAMC<br>SitusAMC | xxxx |  |  | 04/03/2025 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872101 | 35940436 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 04/18/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304872101 | 35940437 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.26 is greater than the minimum required DSCR of 1.00. | SitusAMC,Originator | xxxx |  |  | 04/25/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304720170 | 35940439 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 07/10/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304720170 | 35940440 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304872079 | 35940443 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | xxxx |  |  |  | xxxx | 07/02/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304872082 | 35940444 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 08/20/2025 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 304872082 | 35940446 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 304872082 | 35940447 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 304872082 | 35940448 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. |  | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 304872081 | 35940451 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide May 2025 credit card statement from xxxx ending with xxxx. |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 304872077 | 35940457 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| 304872076 | 35940459 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rate/Term refinance. Provide verification that the lien being paid off is an existing lien from the subject property. There are no liens reporting on title commitment. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 80.75<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 740<br> Representative FICO: 783 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/04/2025 | 2 C B |  | SC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304872074 | 35940469 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304868751 | 35940471 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
| 304866176 | 35940474 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. |  | xxxx |  |  |  | xxxx | 09/25/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 304866176 | 35940475 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 784 | SitusAMC | xxxx |  |  | 09/25/2025 | 2 C B D |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 304865469 | 35940479 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 C A |  | HI | Investment | Purchase | C A |  | N/A | No |
| 304866099 | 35940487 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304866099 | 35940489 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304866099 | 35940490 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304866241 | 35940492 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| 304865975 | 35940494 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a full 12 month pay history for the primary residence. Mortgage statement reflects a loan with xxxx. |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304865975 | 35940495 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Appraisal Invoice not provided |  |  |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304866126 | 35940498 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the final HUD-1. Copy in file is an estimate. |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| 304866000 | 35940502 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx |  |  | 10/30/2025 | 2 B |  | WI | Investment | Purchase | B A |  | N/A | No |
| 304865712 | 35940504 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 304865591 | 35940506 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A |  | N/A | No |
| 304865591 | 35940507 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
| 304865594 | 35940512 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304865594 | 35940513 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304865594 | 35940514 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304865594 | 35940515 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 D A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304865594 | 35940516 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304865594 | 35940517 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304865594 | 35940518 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304865594 | 35940519 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304865594 | 35940520 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A D |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304865594 | 35940521 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304866097 | 35940523 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
| 304865686 | 35940525 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304865686 | 35940526 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304872060 | 35940529 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| 304872060 | 35940530 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A |  | N/A | No |
| 304872060 | 35940531 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 783 | SitusAMC | xxxx |  |  | 11/05/2025 | 2 B |  | CA | Investment | Purchase | C B A |  | N/A | No |
| 304865891 | 35940533 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C A |  | N/A | No |
| 304872063 | 35940536 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | HI | Investment | Purchase | C B A |  | N/A | No |
| 304872063 | 35940537 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 52.55<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 775 | SitusAMC<br>SitusAMC | xxxx |  |  | 11/05/2025 | 2 C B |  | HI | Investment | Purchase | C B A |  | N/A | No |
| 304872063 | 35940539 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | HI | Investment | Purchase | C B A |  | N/A | No |
| 304868712 | 35940549 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304868698 | 35940551 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | HI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304868698 | 35940552 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception received post-consummation to allow the use of trust funds in asset depletion, which is not permitted per guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | xxxx |  |  | 11/06/2025 | 2 B |  | HI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304868686 | 35940555 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304866075 | 35940558 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception stating appraisal was performed internally at xxxx bank. No AMCs used but AIR compliant ordering. Compensating factors include: 1) Borrower's credit score is at least 40 points over minimum 700; 2) Borrower has at least 4 months own funds for reserves, not including those used for asset depletion. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | # of Properties Completed: 11<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited):<br>Guidelines Representative FICO: 740<br> Representative FICO: 787 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 10/24/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304872073 | 35940564 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception at Origination: Borrower currently has 16 open applications, guidelines only permit 10. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 232.45<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 702 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 10/24/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304872072 | 35940570 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A D |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 304872072 | 35940571 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception-Post Close: Permission to allow an illegal to zoning property- garage was recently converted to make property appears as duplex and zoning is for SFR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 84.31<br> Guideline Requirement: 2.00 | Originator,SitusAMC | xxxx |  |  | 10/24/2025 | 2 B |  | TX | Investment | Purchase | D B A |  | N/A | No |
| 304872068 | 35940574 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| 304872068 | 35940575 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 B A |  | LA | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |

---

## Exhibit 99.4

**Exhibit 99.4**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| 303722518 | C |  | C | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 303722521 | C D |  | C | C D | A |  |  |  |  |  |  | A | A |  |
| 303722509 | A |  | C | C | A |  |  |  |  |  |  | A | A |  |
| 303722504 | C |  | C | C | A |  |  |  |  |  |  | A | A |  |
| 303722492 | D |  | D | D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 303722485 | D |  | D | D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 303722483 | D |  | D | D | B |  |  |  |  |  |  | A | B |  |
| 303722471 | D |  | D | D | B |  |  |  |  |  |  | A | B |  |
| 303964101 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 303964115 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 303760125 | C |  | D | D | B |  |  |  |  |  |  | A | B |  |
| 304012200 | D |  | D | D | A |  |  |  |  |  |  | A | A |  |
| 304012167 | C |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304012145 | C D |  | A | C D | A |  |  |  |  |  |  | A | A |  |
| 304089131 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304090126 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304092468 | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304092547 | A | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304012223 | D |  | D | D | B |  |  |  |  |  |  | A | B |  |
| 304012151 | C |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304335456 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304379639 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304381218 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304376623 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 303760022 | C D |  | A | C D | A |  |  |  |  |  |  | A | A |  |
| 304381140 | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 304427500 | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304436479 | C | A | C | C | A |  | A | A | A | A | A | A | A |  |
| 304423545 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304459326 | B | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 304477105 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304438716 | C | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 304485250 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304492573 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304510939 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304477243 | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304498533 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304477308 | B | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 304475192 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304494175 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304666654 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304666663 | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304637213 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304636475 | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304663734 | B | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 304490515 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304682081 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304685308 | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304680597 | A | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304691488 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304671591 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304693477 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304674475 | A | A | D | D | A |  | A | A | A | A | A | A | A |  |
| 304720501 | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 304720499 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304687273 | A | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304405506 | C D |  | A | C D | A |  |  |  |  |  |  | A | A |  |
| 304710813 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304734673 | A | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304750416 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304730010 | C |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304765910 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304716465 | C D | A | D | D | A |  | A | A | A | A | A | A | A |  |
| 304724081 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304764094 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304682536 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304365493 | C |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304823103 | A | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304828380 | C | C | A | C | A |  | A | B | B | B | A | A | A B |  |
| 304825567 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304828132 | C | B | A | C | B |  | B | B | B | B | B | A | B |  |
| 304769950 | B |  | A | B | B |  |  |  |  |  |  | A | B |  |
| 304833278 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304822422 | B | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 304826753 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304833255 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304847523 | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304843302 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304844770 | A | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304847532 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304843761 | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 304849326 | A | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304855001 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304878874 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304839668 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304858328 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304858910 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304876099 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304866595 | A | C | C | C | A |  | B | B | B | B | B | A | B |  |
| 304878897 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304870088 | C | A | A | C | B |  | A | A | A | A | A | A | B |  |
| 304847756 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304847751 | C |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304849066 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304869297 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304867407 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304867476 | C |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304847728 | C |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304889877 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304849164 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304889937 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304899088 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304899024 | C |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304899021 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304894053 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304894075 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304893260 | D | C | D | D | A |  | A | A | A | A | A | A | A |  |
| 304859663 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304893298 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304875843 | C |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304902769 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304871887 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304875717 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304859456 | C |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304875657 | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304902473 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304902746 | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304871839 | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304902775 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305029154 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 305024414 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 305030666 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 305024425 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 305024422 | C |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304911609 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304898946 | C |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304899093 | C |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304899087 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304898986 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304899123 | B |  | A | B | B |  |  |  |  |  |  | A | B |  |
| 304848394 | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 304861646 | A | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304891091 | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| 304875626 | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304891078 | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304870057 | C | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 304892913 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304893896 | A | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304902469 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304893108 | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304902467 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304902470 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304902577 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304902528 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304893235 | A |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304866355 | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 304893291 | C | B | A | C | A |  | A | A | A | A | A | A | A |  |
| 305037789 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305024427 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304764189 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043889 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043888 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043879 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043880 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305043876 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305043872 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043875 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043883 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043882 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043886 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304911621 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305029066 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043868 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043867 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304911637 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043878 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305037701 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304894590 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305034502 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034498 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034500 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304911642 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305034510 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034501 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034495 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034496 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304911603 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304911472 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034493 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034488 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305024305 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305024370 | B |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305024369 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034485 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034486 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034475 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034480 | C |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034472 | B |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034446 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304902522 | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304893210 | C | B | A | C | A |  | A | A | A | A | A | A | A |  |
| 304893244 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304859574 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304893059 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304709392 | C | A | A | C | B |  | A | A | A | A | A | A | B |  |
| 304872087 | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304872070 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304872067 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304872064 | C | A | D | D | A |  | A | A | A | A | A | A | A |  |
| 304872053 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304872058 | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 304872056 | C D | C | A | C D | A |  | B | B | B | B | B | A | B |  |
| 304872050 | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304872086 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304866400 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304866313 | C | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304866230 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304865900 | A | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304865745 | C | A | A | C | B |  | A | A | A | A | A | A | B |  |
| 304866475 | B | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 304866381 | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304872103 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304872102 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304872101 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304720170 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872079 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872082 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304872081 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872078 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872094 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872077 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872076 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304872074 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304868751 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872065 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304866176 | C D |  | A | C D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304865469 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865981 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865667 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304866099 | D |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304866241 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865975 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865492 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304866407 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304866126 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865636 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865942 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304866000 | B |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304865712 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865591 | D |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865594 | D |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304866097 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865686 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865723 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872060 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304865891 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304868687 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872063 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304872057 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872049 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304868712 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304868698 | C |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304872054 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304868686 | C |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865600 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304866491 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304866075 | B |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304865697 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872073 | B |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304866177 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865804 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304865719 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872072 | C D |  | A | C D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 304872055 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872052 | A |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304872068 | B |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |

---

## Exhibit 99.5

**Exhibit 99.5**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 303722518 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 41.940% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 303722521 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 57.500% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.500% |  |  |  |  |  |  |  |  |  |  |  |
| 303722509 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 24.190% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.190% |  |  |  |  |  |  |  |  |  |  |  |
| 303722504 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.380% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 303722492 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.380% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 303722485 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 16.070% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 303722483 |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  | 60.560% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 303722471 |  |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  | 44.010% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 303964101 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.650% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 303964115 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 303760125 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304012200 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 304012167 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 304012145 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304089131 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 304090126 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304092468 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304092547 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304012223 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
| 304012151 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304335456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304379639 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304381218 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304376623 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 303760022 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304381140 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 304427500 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.430% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304436479 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.040% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 304423545 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.260% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459326 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304477105 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.270% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.50 |
| 304438716 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304485250 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492573 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304510939 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304477243 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304498533 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304477308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304475192 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304494175 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304666654 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304666663 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304637213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304636475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 304663734 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304490515 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.230% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 304685308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304680597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304691488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 304671591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.700% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693477 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304674475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720501 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304720499 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304687273 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304405506 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304710813 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734673 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304750416 |  |  |  |  |  |  | 15.380% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730010 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304765910 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 304716465 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304724081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304764094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304682536 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.690% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304365493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304823103 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304828380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.00 |
| 304825567 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304828132 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 304769950 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.320% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304833278 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 304822422 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304826753 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304833255 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| 304847523 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304843302 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 304844770 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304847532 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304843761 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.040% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849326 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304855001 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.00 |
| 304878874 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304839668 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.030% |  |  | Appraisal |  |  |  |  |  | 12.400% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304858328 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304858910 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 304876099 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.650% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.90 |
| 304866595 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304878897 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304870088 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 304847756 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.780% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847751 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849066 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869297 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867407 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867476 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847728 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889877 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849164 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889937 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899088 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899024 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.170% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899021 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304894053 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304894075 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304893260 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304859663 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304893298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| 304875843 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304902769 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304871887 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304875717 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304859456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304875657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304902473 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 304902746 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.750% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304871839 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304902775 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 305029154 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024414 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.470% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030666 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024425 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024422 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304911609 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304898946 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899093 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899087 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304898986 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899123 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304848394 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304861646 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304891091 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304875626 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304891078 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304870057 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304892913 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304893896 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304902469 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304893108 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304902467 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304902470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304902577 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304902528 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| 304893235 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304866355 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304893291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305037789 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| 305024427 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764189 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.480% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043889 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043888 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043879 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043880 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043876 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043872 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043875 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043883 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043882 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043886 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304911621 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029066 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.760% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043868 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043867 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304911637 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043878 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305037701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.260% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304894590 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034502 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034498 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034500 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304911642 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034510 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034501 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034495 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034496 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304911603 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304911472 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024305 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024370 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024369 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034485 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034486 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034480 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034472 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034446 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304902522 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304893210 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304893244 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304859574 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304893059 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304709392 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872087 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872070 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 304872067 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.560% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304872064 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872053 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872058 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872056 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872050 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 304872086 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304866400 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.070% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 304866313 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304866230 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865900 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304865745 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304866475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304866381 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872103 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872102 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872101 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304720170 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.250% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872079 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 304872082 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872078 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 304872077 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872076 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872074 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 304868751 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304872065 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304866176 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304865469 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.120% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865981 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865667 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304866099 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304866241 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865975 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865492 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304866407 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304866126 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304865636 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865942 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304866000 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304865712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304865591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865594 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304866097 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865686 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865723 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304872060 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865891 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868687 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872063 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 304872057 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304872049 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304868712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868698 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872054 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868686 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304865600 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304866491 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304866075 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865697 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| 304872073 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304866177 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304865804 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865719 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872072 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.820% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304872055 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872052 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872068 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.6

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

**EXECUTIVE SUMMARY**

**JPMMT 2026-NQX1**

**By Clarifii LLC on March 16, 2026**

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 1

![](ex996001.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 232 mortgage loans (the "Loans" or the "Pool") and the Loans were subsequently acquired by JPMorgan Chase Bank, National Association (the "Client") for the JPMMT 2026-NQX1 transaction. The Loans referenced in this narrative report were reviewed in between 05/2024 to 02/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.74% | &nbsp;&nbsp;$3769240.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.72% | &nbsp;&nbsp;$3954249.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;217 | &nbsp;&nbsp;93.53% | &nbsp;&nbsp;$157285742.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165009231.00** |

---

The Review consisted of a population of 232 Loans, with an aggregate principal balance of $165,009,231.00.

**CLARIFII'S THIRD PARTY REVIEW (TPR) SCOPE OF WORK**

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review.

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

**LOAN SAMPLING**

The Client defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the Loans within the transaction that were submitted to Clarifii for review.

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 2

![](ex996001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Moody's Approach to Rating US RMBS Using the MILAN Framework dated July 18, 2024 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024. |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |

---

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 3

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |

---

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 4

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Short Term Rent Source |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 5

![](ex996001.jpg)

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject property ownership history

– Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan officer

OFAC

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 6

![](ex996001.jpg)

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

● **Property** **Insurance and Taxes** 

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

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

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

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

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

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

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

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

● **Debt Service Coverage Ratio (DSCR)** 

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 7

![](ex996001.jpg)

● **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** 

● **Flood Certification** 

● **Initial and Final Loan Estimate (LE)** 

● **Initial and Final and Closing Disclosure (CD)** 

● **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **Anti-Predatory Lending (Assignee Liability)** 

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 8

![](ex996001.jpg)

If applicable the 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.

● **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 9

![](ex996001.jpg)

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

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

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

● **State and Local Anti-Predatory Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 10

![](ex996001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 11

![](ex996001.jpg)

– 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.

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify application address is different from subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify executed by all borrowers

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 12

![](ex996001.jpg)

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 13

![](ex996001.jpg)

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

● 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 the supported value, unless guidelines allowed for the use of the lower Desk Review value for purpose of LTV/CLTV/HCLTV.

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;128 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 |

---

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 14

![](ex996001.jpg)

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 15

![](ex996001.jpg)

**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms.

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;189 | &nbsp;&nbsp;81.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;43 | &nbsp;&nbsp;18.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** |

---

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

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 16

![](ex996001.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;193 | &nbsp;&nbsp;83.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;39 | &nbsp;&nbsp;16.81% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;232 | &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;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;228 | &nbsp;&nbsp;98.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;232 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$165009231.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165009231.00** |

---

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 17

![](ex996001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;120 | &nbsp;&nbsp;51.72% | &nbsp;&nbsp;$108592487.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;$792400.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;111 | &nbsp;&nbsp;47.84% | &nbsp;&nbsp;$55624344.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165009231.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;120 | &nbsp;&nbsp;51.72% | &nbsp;&nbsp;$95709299.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;112 | &nbsp;&nbsp;48.28% | &nbsp;&nbsp;$69299932.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165009231.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;232 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$165009231.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165009231.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.86% | &nbsp;&nbsp;$3956000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;230 | &nbsp;&nbsp;99.14% | &nbsp;&nbsp;$161053231.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**232** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$165009231.00** |

---

**DATA COMPARE RESULTS**

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

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 18

![](ex996001.jpg)

**Summary of Data Comparison Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;219 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;49 | &nbsp;&nbsp;218 | &nbsp;&nbsp;77.52% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;218 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;218 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;218 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;229 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;229 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;11 | &nbsp;&nbsp;218 | &nbsp;&nbsp;94.95% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;213 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;219 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;22 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;19 | &nbsp;&nbsp;221 | &nbsp;&nbsp;91.40% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;57 | &nbsp;&nbsp;226 | &nbsp;&nbsp;74.78% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;227 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;217 | &nbsp;&nbsp;98.62% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;226 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;220 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;229 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;17 | &nbsp;&nbsp;30 | &nbsp;&nbsp;43.33% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;219 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;232 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;228 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;226 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;226 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;165 | &nbsp;&nbsp;226 | &nbsp;&nbsp;26.99% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;228 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;228 | &nbsp;&nbsp;99.12% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |

---

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 19

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;86 | &nbsp;&nbsp;98.84% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;221 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;10 | &nbsp;&nbsp;227 | &nbsp;&nbsp;95.59% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;4 | &nbsp;&nbsp;227 | &nbsp;&nbsp;98.24% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;229 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;2 | &nbsp;&nbsp;226 | &nbsp;&nbsp;99.12% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;228 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;27 | &nbsp;&nbsp;228 | &nbsp;&nbsp;88.16% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;229 | &nbsp;&nbsp;99.56% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;221 | &nbsp;&nbsp;98.64% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;208 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;229 | &nbsp;&nbsp;98.69% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;39 | &nbsp;&nbsp;229 | &nbsp;&nbsp;82.97% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;8 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;155 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Short Term Rent Source | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;12 | &nbsp;&nbsp;208 | &nbsp;&nbsp;94.23% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data Comparison Report

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

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

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

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

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 20

![](ex996001.jpg)

**Disclaimer**

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

 

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

 

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

 

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

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.* © 2026 Clarifii LLC. All rights reserved.

JPMMT 2026-NQX1 Due Diligence Narrative Report – PagE \| 21

## Exhibit 99.7

**Exhibit 99.7**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 304474159 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304474159 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal. Tape reflects sales price. |
| XXXX | XXXX | 304474159 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.31 | 36.54 | Variance as audit calculated lower REO loss |
| XXXX | XXXX | 304495262 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304495262 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304495262 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.58 | 31.10 | Audit DTI matches 1008 |
| XXXX | XXXX | 304694465 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304694465 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.94 | 48.81 | Audit calculated lower REO losses. |
| XXXX | XXXX | 304702123 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304702123 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.58 | 8.69 | Variance due to Lender dividing 24 months bank statements by 12 |
| XXXX | XXXX | 304736280 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304736280 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Used lower appraised value |
| XXXX | XXXX | 304736280 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.132 | 1.019 | Audit used full rent estimate, per guides, tape used 90%. |
| XXXX | XXXX | 304754769 | XXXX | Property City | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304754769 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304754769 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 304875623 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file |
| XXXX | XXXX | 304875623 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file. |
| XXXX | XXXX | 304736051 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304736051 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Questionnaire & Guidelines. |
| XXXX | XXXX | 304736051 | XXXX | Qualifying FICO | creditLiabilitiesPage | 683 | 666 | per credit report |
| XXXX | XXXX | 304736021 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304736021 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | From appraisal report |
| XXXX | XXXX | 304736263 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875612 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304875611 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304758139 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304758139 | XXXX | Maturity Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304758139 | XXXX | First Payment Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304754711 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304758134 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304758134 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 304758134 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.44 | 34.81 | Audit calculated lower REO losses |
| XXXX | XXXX | 304758160 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875624 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875624 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | XXXX | 304875624 | XXXX | Qualifying LTV | propertyValuationPage | 65.97 | 65.96 | loan amount/appraisal value |
| XXXX | XXXX | 304875624 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Final CD |
| XXXX | XXXX | 304875624 | XXXX | Qualifying CLTV | propertyValuationPage | 65.97 | 65.96 | loan amount/appraisal value |
| XXXX | XXXX | 304875624 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Used appraisal with lesser of the 2 values |
| XXXX | XXXX | 304875624 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.38 | 38.44 | Higher REO loss. |
| XXXX | XXXX | 304875619 | XXXX | Property Address | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875619 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875619 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1969.90 | DSCR |
| XXXX | XXXX | 304875613 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304817013 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304817013 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | per appraisal |
| XXXX | XXXX | 304817013 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 31.74 | DSCR |
| XXXX | XXXX | 304817001 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304817001 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | per appraisal report |
| XXXX | XXXX | 304817001 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Lender agrees, non warrantable per note on 1008 |
| XXXX | XXXX | 304816991 | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | XXXX | 304816991 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304817018 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304817038 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304817038 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304817038 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | Per citizenship docs |
| XXXX | XXXX | 304817037 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304817037 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304875600 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875600 | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | XXXX | 304819792 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304825194 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304825194 | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per appraisal report |
| XXXX | XXXX | 304825187 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825187 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified by appraisal |
| XXXX | XXXX | 304825184 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825184 | XXXX | Qualifying CLTV | propertyValuationPage | 50 | 43.29 | loan amount/appraised value |
| XXXX | XXXX | 304825184 | XXXX | Qualifying LTV | propertyValuationPage | 50 | 43.29 | loan amount/appraised value |
| XXXX | XXXX | 304825184 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| XXXX | XXXX | 304825184 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraisal |
| XXXX | XXXX | 304825184 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 52.29 | 49.16 | Variance as lender used lower HOA dues for subject; and higher debt payment. |
| XXXX | XXXX | 304843222 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304843222 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per 1008 |
| XXXX | XXXX | 304843222 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.23 | 41.98 | Lender included primary housing expense when brr living rent free |
| XXXX | XXXX | 304825216 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825218 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304825192 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304825192 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial application |
| XXXX | XXXX | 304825192 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304825192 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2440.21 | DSCR loan. No DTI |
| XXXX | XXXX | 304875599 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875599 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304875551 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875551 | XXXX | HOA Flag | propertyValuationPage | No | Y | Per appraisal report |
| XXXX | XXXX | 304843183 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304843183 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Loan Application |
| XXXX | XXXX | 304843183 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 304843244 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304843244 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 914.26 | DSCR Loan |
| XXXX | XXXX | 304866870 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.082 | 1.14 | Audit in line with 1008 calculation |
| XXXX | XXXX | 304866875 | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304866875 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.59 | 36.38 | Audit calculated lower income |
| XXXX | XXXX | 304843157 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304843157 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304856819 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304856819 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisal & Condo Questionnaire |
| XXXX | XXXX | 304856747 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304856747 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per 1008 |
| XXXX | XXXX | 304856747 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.298 | 1.013 | Used Lease agreement to calculate DSCR. |
| XXXX | XXXX | 304856723 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304825224 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304856732 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304856674 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 304856839 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304856839 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304856839 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 304856839 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 201.52 | DSCR |
| XXXX | XXXX | 304856653 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304856653 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Non-Warrantable per lender review & docs in file. |
| XXXX | XXXX | 304875409 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304875409 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per Appraisal |
| XXXX | XXXX | 304875449 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875432 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875432 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Final CD |
| XXXX | XXXX | 304875432 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.46 | 35.45 | DTI Variance due lower income as excluded retirement income. |
| XXXX | XXXX | 304856669 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304840580 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd. |
| XXXX | XXXX | 304840580 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| XXXX | XXXX | 304875513 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304856680 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304856680 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.56 | 20.41 | Audit included REO not on 1003 |
| XXXX | XXXX | 304875573 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875573 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 304875573 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per Appraisal |
| XXXX | XXXX | 304875573 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 898.32 | DSCR Loan |
| XXXX | XXXX | 304875339 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875339 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304875481 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875618 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875618 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304875543 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304875495 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875544 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875544 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial application |
| XXXX | XXXX | 304875526 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304875526 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per the initial 1003. |
| XXXX | XXXX | 304875538 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875507 | XXXX | Note Date | notePage | XXXX | XXXX | PER EXECUTED NOTE |
| XXXX | XXXX | 304875507 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Appraisal reflects SFR PUD |
| XXXX | XXXX | 304875468 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875468 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.692 | 0.644 | Lender double-counted HOI |
| XXXX | XXXX | 304875509 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875509 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304875428 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875428 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final closing disclosure. |
| XXXX | XXXX | 304875528 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875528 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 304875425 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304875532 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875532 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.74 | 42.20 | Lender used an unknown "other" payment in the PITIA per 1008 |
| XXXX | XXXX | 304875556 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875556 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304875493 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875605 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875381 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875558 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875337 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875337 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.35 | 43.88 | Audit calculated higher REO loss |
| XXXX | XXXX | 304875500 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875443 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875443 | XXXX | HOA Flag | propertyValuationPage | No | Y | Per Appraisal and Title - No HOA |
| XXXX | XXXX | 304875564 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875485 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875485 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | per title |
| XXXX | XXXX | 304875622 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875622 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304875418 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | XXXX | 304875418 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | PermanentResidentAlien | per citizenship documents |
| XXXX | XXXX | 304875418 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.3 | 14.81 | Audit qualified borrower w/full PITI on departing residence |
| XXXX | XXXX | 304875372 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875372 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 304875372 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304875563 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875426 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304875340 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per closing disclosure |
| XXXX | XXXX | 304875341 | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | XXXX | 304875341 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | XXXX | 304875341 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.14 | 41.56 | Audit included solar payment |
| XXXX | XXXX | 304875456 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875456 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.76 | 32.12 | Per exception higher DTI. Variance due to lower income as did not use income for second business. |
| XXXX | XXXX | 304875469 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875469 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 304875469 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304875469 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | NonPermanentResidentAlien | per citizenship documents in file |
| XXXX | XXXX | 304875474 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875480 | XXXX | Note Date | notePage | XXXX | XXXX | Per the note |
| XXXX | XXXX | 304875388 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.19 | 40.26 | Lender included a larger subject PITIA payment than the actual verified payment. |
| XXXX | XXXX | 304875442 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875442 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per the initial 1003 |
| XXXX | XXXX | 304875442 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2304.20 | DSCR |
| XXXX | XXXX | 304875595 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875595 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | Per DOT |
| XXXX | XXXX | 304875595 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | FIndings and 1008 reflect condo is warrantable |
| XXXX | XXXX | 304875368 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note in file |
| XXXX | XXXX | 304875368 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD in file |
| XXXX | XXXX | 304875541 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note in file |
| XXXX | XXXX | 304875541 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 in file |
| XXXX | XXXX | 304875541 | XXXX | HOA Flag | propertyValuationPage | No | Y | Per Appraisal/Title |
| XXXX | XXXX | 304875541 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1194.40 | DSCR Loan |
| XXXX | XXXX | 304875391 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note in file |
| XXXX | XXXX | 304875391 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 in file |
| XXXX | XXXX | 304875391 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | NonPermanentResidentAlien | Foreign National per Docs in file. |
| XXXX | XXXX | 304892534 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892534 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per 1008 & Appraisal |
| XXXX | XXXX | 304875387 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 304875387 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | XXXX | 304875416 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Townhouse per appraisal |
| XXXX | XXXX | 304875416 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | XXXX | 304875416 | XXXX | B2 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | Foreign National per Citizenship Documentation |
| XXXX | XXXX | 304875416 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | Foreign National per Citizenship Documentation |
| XXXX | XXXX | 304875416 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.109 | 1.079 | Lender used slightly higher PITIA than Audit used verified PITIA |
| XXXX | XXXX | 304875345 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | XXXX | 304875345 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per executed Initial 1003 in file |
| XXXX | XXXX | 304875510 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875510 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | Per DOT |
| XXXX | XXXX | 304875510 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1277.57 | DSCR Loan |
| XXXX | XXXX | 304875476 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892578 | XXXX | Qualifying CLTV | propertyValuationPage | 75 | 69.11 | Property recently listed used lowest listing price |
| XXXX | XXXX | 304892578 | XXXX | Qualifying LTV | propertyValuationPage | 75 | 69.11 | Property recently listed used lowest listing price |
| XXXX | XXXX | 304892578 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.23 | 42.07 | Audit calculated lower REO loss |
| XXXX | XXXX | 304892523 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892523 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 304892523 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | NonPermanentResidentAlien | Per documentation provided in file |
| XXXX | XXXX | 304892554 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304892554 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per application |
| XXXX | XXXX | 304892554 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 304892554 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal report |
| XXXX | XXXX | 304892554 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.978 | 1.86 | Audit used Actual Rent/ PITIA. |
| XXXX | XXXX | 304875570 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875570 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304875570 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304892557 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892614 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892614 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | XXXX | 304892614 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.34 | 26.47 | Audit calculated a lower monthly income. |
| XXXX | XXXX | 304892532 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 304892610 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892610 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 304892610 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304892533 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304892533 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304875393 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875393 | XXXX | Property Address | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304892579 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892563 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304892563 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003. |
| XXXX | XXXX | 304892563 | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per appraisal |
| XXXX | XXXX | 304875569 | XXXX | Prepayment Penalty Flag | notePage | N | Y | Per exception no PPP |
| XXXX | XXXX | 304875569 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875569 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 304910059 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304910059 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Condo is warrantable per docs in file |
| XXXX | XXXX | 304910059 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.57 | 44.55 | Audit had slightly different calcs than lender's. |
| XXXX | XXXX | 304894143 | XXXX | Borrower 2 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304910117 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304910117 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 304910117 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | 129900.00 | Per appraisal |
| XXXX | XXXX | 304910117 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.601 | 1.431 | Audit calculated lower rental income |
| XXXX | XXXX | 304894112 | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Lender excluded large deposit post close. |
| XXXX | XXXX | 304894112 | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Lender excluded large deposit post close. |
| XXXX | XXXX | 304894112 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| XXXX | XXXX | 304894112 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.16 | 5.00 | per bank statements |
| XXXX | XXXX | 304894112 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 1 | not DSCR |
| XXXX | XXXX | 304894112 | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | primary |
| XXXX | XXXX | 304894112 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.69 | 36.40 | Lender excluded large deposit post close. |
| XXXX | XXXX | 305030854 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304894076 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 38.29 | 39.00 | per bank statements |
| XXXX | XXXX | 304894076 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statement |
| XXXX | XXXX | 305023718 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305023718 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305023718 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | 7 unit per appraisal |
| XXXX | XXXX | 305023718 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 134.53 | DSCR Loan |
| XXXX | XXXX | 305030884 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030884 | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | XXXX | 305030884 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | PerCD |
| XXXX | XXXX | 305030884 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per additional appraisal |
| XXXX | XXXX | 305029482 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029482 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | 1003 initial date per credit report |
| XXXX | XXXX | 305029482 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305029482 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.089 | 1.042 | 1007+120%/ PITIA |
| XXXX | XXXX | 305029451 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029451 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305029451 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305029451 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo questionnaire |
| XXXX | XXXX | 305029451 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documents |
| XXXX | XXXX | 305029451 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.871 | 1.06 | Lender used incorrect HOA amt |
| XXXX | XXXX | 305029499 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305029499 | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | per 1003 |
| XXXX | XXXX | 305029499 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305029502 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305029420 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305029420 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305029420 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Non Permanent Resident Alien | PermanentResidentAlien | Per citizenship documentation |
| XXXX | XXXX | 305029419 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029419 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305029483 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 305029483 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305029483 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per condo questionnaire - HOA not turned over |
| XXXX | XXXX | 305029488 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029488 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305030838 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305030838 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | missing initial app- per itp |
| XXXX | XXXX | 305030838 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305030838 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Detached site condo |
| XXXX | XXXX | 305029385 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305029385 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305029385 | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | per 1003 |
| XXXX | XXXX | 305029385 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305029385 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.18 | 26.92 | Variance due to lower income. Total debts/Income |
| XXXX | XXXX | 305029485 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029485 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305029444 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029444 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305029444 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305029444 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal - Subject is a 6 units dwelling |
| XXXX | XXXX | 305029444 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.352 | 1.051 | Audit DSCR based on 100% market as per guides. Variance as lender used 75% Market Rent for Vacant Units. |
| XXXX | XXXX | 305029487 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029487 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305029487 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305029487 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.607 | 0.719 | Lender used initial PITIA to calculate |
| XXXX | XXXX | 304894172 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 5.28 | 0.00 | assets derived from the subject transaction |
| XXXX | XXXX | 305030824 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305030824 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305029415 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305030845 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029449 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030795 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305030795 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305030795 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305029368 | XXXX | Property Address | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305029368 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305029368 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305030877 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029363 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029363 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305029363 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305029418 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029418 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | XXXX | 305029458 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029458 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029458 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Loan Application |
| XXXX | XXXX | 305029458 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304897220 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per PCCD |
| XXXX | XXXX | 304897220 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 13.54 | 15.00 | per bank statements |
| XXXX | XXXX | 304897220 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statements |
| XXXX | XXXX | 305029369 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305029516 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305029472 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | XXXX | 305029393 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029393 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | per appraisal |
| XXXX | XXXX | 305035373 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035373 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305035373 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.621 | 0.614 | 1007/ PITIA |
| XXXX | XXXX | 305030829 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030829 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305030829 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | per audit |
| XXXX | XXXX | 305035303 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305035303 | XXXX | Property Type | propertyValuationPage | PUD | Condominium | Appraisal is marked Site Condo |
| XXXX | XXXX | 305035388 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305035388 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305029493 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305029493 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305029493 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | NonPermanentResidentAlien | Per application |
| XXXX | XXXX | 305029493 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.027 | 1.284 | DSCR variance due to Lender did not reduce rent with expenses |
| XXXX | XXXX | 305035421 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per application |
| XXXX | XXXX | 305035421 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 305035421 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.278 | 1.144 | Matches 1008 |
| XXXX | XXXX | 305030805 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030805 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305030805 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo documents |
| XXXX | XXXX | 305035290 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305030873 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030873 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 7387.40 | DSCR Loan |
| XXXX | XXXX | 305030806 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305030806 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo Questionnaire |
| XXXX | XXXX | 305035381 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305035381 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per legacy application |
| XXXX | XXXX | 305035381 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 305035381 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 143.01 | DSCR Loan |
| XXXX | XXXX | 305039276 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039276 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305039276 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.87 | 4.86 | Variance due to lower income as audit income based on 24 months bank statements. Lender qualifying income used 12 months. |
| XXXX | XXXX | 305030889 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030889 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305030889 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305030889 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.603 | 2.003 | Lender did not use a 20% vacancy factor for STR |
| XXXX | XXXX | 305035334 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035330 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030888 | XXXX | Note Date | notePage | XXXX | XXXX | Per ntoe |
| XXXX | XXXX | 305030888 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305030888 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305030888 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraisal - using listed value in the last six months |
| XXXX | XXXX | 305030888 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1189.06 | Per 1008 DSCR |
| XXXX | XXXX | 305030879 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035319 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305035319 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per 1008 |
| XXXX | XXXX | 305035319 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.095 | 1.369 | Due to lender not reducing market rents by 20% for expenses |
| XXXX | XXXX | 305035316 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per app |
| XXXX | XXXX | 305035424 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305035424 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | XXXX | 305035406 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035406 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305035406 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 59.63 | Per 1008 DSCR |
| XXXX | XXXX | 305035328 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035328 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305035328 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.69 | 39.76 | Variance as lower income based on 50% expense factor. |
| XXXX | XXXX | 305035365 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035411 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 305035397 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305035397 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305035397 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final CD |
| XXXX | XXXX | 305035311 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035311 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per loan application |
| XXXX | XXXX | 305035295 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035295 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 305035295 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305035295 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 77.42 | Per 1008 DSCR loan |
| XXXX | XXXX | 305035295 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | 1.711 | Audit used lower current lease. Variance due to lower taxes, ins. |
| XXXX | XXXX | 305035299 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035299 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305035429 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035429 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305039299 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305039299 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Condo is warrantable, with UW notes on 1008 |
| XXXX | XXXX | 305035346 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035346 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305035346 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 305035346 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documentation |
| XXXX | XXXX | 305039286 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039286 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305039286 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305039339 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | NonPermanentResidentAlien | Per the Application |
| XXXX | XXXX | 305039337 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039337 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305039337 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD/Settlement Statement |
| XXXX | XXXX | 305030827 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305030827 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305030827 | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per 1008 |
| XXXX | XXXX | 305030827 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per 1008 |
| XXXX | XXXX | 305029508 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305029508 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |

---

## Exhibit 99.8

**Exhibit 99.8**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 304381134 C A | Closed | FCOM1111 | 2024-05-21 13:02 | 2024-06-26 11:04 | Resolved | 1 - Information C A | Compliance | Points & Fees | Late Charge Grace Period is less than 10 days | Resolved-Received a corrected Note signed by borrower. - Due Diligence Vendor-06/26/2024 <br>Open-Late Charge Grace Period is less than 10 days Per Note Late Charge Grace Period is 5 days. - Due Diligence Vendor-05/21/2024 |  | Resolved-Received a corrected Note signed by borrower. - Due Diligence Vendor-06/26/2024<br>| Months Reserves exceed minimum required - Qualifying Total Reserves Number of Months 125.52; Months Required 6<br>Qualifying DTI below maximum allowed - Qualifying Total Debt Income Ratio <20%; Guideline DTI 43%<br>|  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 1715969 |
| XXXX | XXXX | 304381134 C A | Closed | FVAL1039 | 2024-05-24 09:53 | 2024-06-05 17:10 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-Desk review supporting the appraised value within 10% provided. - Due Diligence Vendor-06/05/2024 <br>Open--CU/LPA score >2.5 desk review is required - Due Diligence Vendor-05/24/2024 |  | Resolved-Desk review supporting the appraised value within 10% provided. - Due Diligence Vendor-06/05/2024<br>| Months Reserves exceed minimum required - Qualifying Total Reserves Number of Months 125.52; Months Required 6<br>Qualifying DTI below maximum allowed - Qualifying Total Debt Income Ratio <20%; Guideline DTI 43%<br>|  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 1733964 |
| XXXX | XXXX | 304443497 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304443509 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304459726 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304474159 C A | Closed | finding-3634 | 2024-12-18 13:11 | 2024-12-20 09:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Zero (0%) tolerance fees increased by $60.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $60.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. Finding resolved as there is a $60.00 lender credit on the Final CD. - Due Diligence Vendor-12/20/2024 <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 $60.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/20/2024 |  | Resolved------Zero (0%) tolerance fees increased by $60.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $60.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. Finding resolved as there is a $60.00 lender credit on the Final CD. - Due Diligence Vendor-12/20/2024 | Qualifying DTI below maximum allowed - 34.31% < 50%<br>Months Reserves exceed minimum required - 13 months > 3 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3034742 |
| XXXX | XXXX | 304495262 C A | Closed | FCRE1198 | 2025-02-10 17:40 | 2025-02-27 11:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Subject transaction is Interest Only; per guidelines, reserves are to be calculated using the I/O payment and not the qualifying payment; system updated and reserves are 6.42 months. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. - Seller-02/25/2025 <br> Counter-Received duplicate statements-XXXX account is an UTMA Custodian account-provide acceptable confirmation borrower has 100% to asset for consideration. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. Please see attached statements from XXXX and XXXX evidencing XXXX in available at closing. In addition, the borrower is receiving XXXX at closing for a total of XXXX available for reserves. The amount available is sufficient to cover 6 months of PITIA totaling $44,870.94. Can this condition please be cleared? - Seller-02/12/2025 <br> Open-"New" Audited Reserves of 5.21 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025 <br> Ready for Review-Document Uploaded. Please see attached statements from XXXX evidencing XXXX in available at closing. In addition, the borrower is receiving $XXXX at closing for a total of XXXX available for reserves. The amount available is sufficient to cover 6 months of PITIA totaling XXXX. Can this condition please be cleared? - Seller-02/12/2025 | Resolved-Subject transaction is Interest Only; per guidelines, reserves are to be calculated using the I/O payment and not the qualifying payment; system updated and reserves are 6.42 months. - Due Diligence Vendor-02/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 776<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+19k) | Qualifying DTI 5% below maximum allowed<br> Qualifying FICO score is at least 20 points above minimum for program | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3391852 |
| XXXX | XXXX | 304495262 C A | Closed | FCRE5790 | 2025-02-03 10:55 | 2025-02-10 17:40 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received unexpired borrower 1 Gap Credit Report. - Due Diligence Vendor-02/10/2025 <br>Ready for Review-Document Uploaded. Please see attached PC Data Verify confirming there were no changes in the borrower's credit that would impact the credit decision - Seller-02/07/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap CR is at 11 days from note date - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. Please see attached PC Data Verify confirming there were no changes in the borrower's credit that would impact the credit decision - Seller-02/07/2025<br>| Resolved-Received unexpired borrower 1 Gap Credit Report. - Due Diligence Vendor-02/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 776<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+19k) |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3335510 |
| XXXX | XXXX | 304694465 C A | Closed | FCRE0113 | 2025-04-24 13:27 | 2025-05-06 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Document Uploaded. Clear copies of the XXXX labels provided. - Due Diligence Vendor-05/06/2025 <br> Counter-HUD labels on appraisal are not legible. ProvideXXXX Certification or photo of XXXX Data Plate and Engineer Certification. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Per XXXX Selling Guide, section B2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-Built Housing "Compliance with these standards will be evidenced by the presence of either a XXXX Data Plate or the HUD Certification Label(s) for each section of the home for existing construction. If the original or alternative documentation cannot be obtained for either of these, the loan is not eligible for sale to XXXX." The appraisal includes the required HUD Labels. Additionally, per the appraisal the subject has been "renovated...a new kitchen with appliances, bathrooms, LVP flooring, metal roof, gutters, and a HVAC system", the property has not had any structural changes, therefore, an Engineer Certification is not required. - Seller-04/25/2025 <br> Open-Provide for the Manufactured Home the XXXX Certification or photo of XXXX Data Plate and Engineer Certification. Guide is silent, diverting to XXXX.<br> - Due Diligence Vendor-04/24/2025 | Ready for Review-Per XXXX Selling Guide, section B2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-Built Housing "Compliance with these standards will be evidenced by the presence of either a XXXX Data Plate or the HUD Certification Label(s) for each section of the home for existing construction. If the original or alternative documentation cannot be obtained for either of these, the loan is not eligible for sale to Fannie Mae." The appraisal includes the required XXXX Labels. Additionally, per the appraisal the subject has been "renovated...a new kitchen with appliances, bathrooms, LVP flooring, metal roof, gutters, and a HVAC system", the property has not had any structural changes, therefore, an Engineer Certification is not required. - Seller-04/25/2025 | Resolved-Document Uploaded. Clear copies of the XXXX labels provided. - Due Diligence Vendor-05/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 775<br>Months Reserves exceed minimum required - 0 mths reserves req'd- Borrower's reserve 122.66 mths |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3953305 |
| XXXX | XXXX | 304702123 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304736280 C B A | Closed | FCRE1199 | 2025-05-13 09:39 | 2025-05-21 12:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception provided for the loan amount. Waiver applied to non material finding with comp factors - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2025 <br>Counter-Originator changed program. provide correct exception waiver. Max loan amount is 3 million per guides - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Counter-Originator provided an exception to loan amount. Waiver not applied due to layered risk. and lack of comp factors - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/16/2025 <br>Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $3.5 million for a cash out loan. 1008 shows cash out, but notes on 1008 reflect r/t. case on a r/t transaction. Client received cash out, so no program is available. Exception waiver is not supported. If this was a R/T, a 720 fico would be required to meet only 4 million, therefore exception was not applied. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Waived-Originator exception provided for the loan amount. Waiver applied to non material finding with comp factors - Due Diligence Vendor-05/21/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and min is .85 or less. Borrower's DSCR is 1.132%- Min allowed .75<br>On time mortgage history exceeds guideline requirement - On time mortgage history for subject property > 12 | On time mortgage history exceeds 24+ months. <br> Reserves are 14 mo's with min program required of 12 mo's. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4125605 |
| XXXX | XXXX | 304736280 C B A | Closed | FCRE0095 | 2025-05-13 09:42 | 2025-05-21 09:22 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Lender changed programs and there is no reduction for STR expense. Also allows for DSCR < 1 - Due Diligence Vendor-05/21/2025 <br>Counter-Originator provided an exception to use 90% of STR. Waiver not applied due to layered risk. and lack of comp factors . - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Counter-Originator provided an exception to use 90% of STR. Waiver not applied due to layered risk. and lack of comp factors . - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. See corrected exception - Due Diligence Vendor-05/16/2025 <br>Open-Use 90% of STR Analysis with guideline max of 80% Originator waiver in file to allow the use of 90% STR. Waiver not applied due to lack of comp factors. Without using the 90% STR, DSCR min of 1.00 will not be met - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Lender changed programs and there is no reduction for STR expense. Also allows for DSCR < 1 - Due Diligence Vendor-05/21/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR=/> 1.00 and min is .85 or less. Borrower's DSCR is 1.132%- Min allowed .75<br>On time mortgage history exceeds guideline requirement - On time mortgage history for subject property > 12 | 24+ months ontime mortgage payment history<br> Min score for program is 680 vs borrowers score of 700. <br> Reserves of 14 mo's vs min required of 12 mo's.  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4125643 |
| XXXX | XXXX | 304754769 C B A | Closed | FCOM9475 | 2025-06-04 17:36 | 2025-06-04 18:14 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Property 1: Missing Market Rent Schedule | Waived-Originator exception granted, waiver applied with comp factors. Approved, file must contain two months proof of receipt for the ADU rental income. Deemed non-material as approval conds were met<br> - Due Diligence Vendor-06/04/2025 <br> Open-Exception in file for the use of both main unit and ADU rentals totaling XXXX as Form 1007 only reflects rent from the main dwelling<br> - Due Diligence Vendor-06/04/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Approved, file must contain two months proof of receipt for the ADU rental income. Deemed non-material as approval conds were met<br> - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - > 5 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 782 vs. 640 min | -4+ years in primary residence<br> - fico score 80pts higher than minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | N/A | 4338367 |
| XXXX | XXXX | 304754769 C B A | Closed | FVAL5524 | 2025-06-04 17:34 | 2025-06-04 18:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow and comps were provided w/similar ADU's<br> - Due Diligence Vendor-06/04/2025 <br> Open-EXCEPTION in file for Subject manufactured home with another manufactured home as an ADU.<br> - Due Diligence Vendor-06/04/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow and comps were provided w/similar ADU's<br> - Due Diligence Vendor-06/04/2025<br>| Months Reserves exceed minimum required - > 5 months available vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - 782 vs. 640 min | -4+ years in primary residence<br> - fico score 80pts higher than minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4338346 |
| XXXX | XXXX | 304875623 D B A | Closed | FCRE1441 | 2025-06-06 09:00 | 2025-07-23 12:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non material finding with compensating factors. Exception to waive requirement to bring borrower's past due accounts current. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Per guidelines, past due account must be brought current, B1 has past due accounts. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to waive requirement to bring borrower's past due accounts current. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, coborrowers mid score is 785<br>Months Reserves exceed minimum required - 3 month minimum reserves required, borrower has 60.22 documented | LTV is 5% less than guideline maximum<br> Qualifying FICO score is at least 20 points above minimum for program | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4358707 |
| XXXX | XXXX | 304875623 D B A | Closed | FCRE7551 | 2025-06-06 09:01 | 2025-06-17 09:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Received divorce decree - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. please see attached Divorce decree labeled as Judgment.entered.XXXX - Seller-06/12/2025 <br> Open-Missing divorce decree for borrower: title vesting states she is unmarried yet current vesting shows jointly with spouse - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. please see attached Divorce decree labeled as Judgment.entered.XXXX - Seller-06/12/2025 | Resolved-Received divorce decree - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, coborrowers mid score is 785<br>Months Reserves exceed minimum required - 3 month minimum reserves required, borrower has 60.22 documented |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4358719 |
| XXXX | XXXX | 304736051 C A | Closed | FCRE0116 | 2025-06-18 12:49 | 2025-06-20 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received UW attestation - Due Diligence Vendor-06/20/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/18/2025 <br>Open-Missing Underwriter Attestation for condo warrantability - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/18/2025<br>| Resolved-Received UW attestation - Due Diligence Vendor-06/20/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserves required, borrower has 7.06<br>Long term residence - At current home for 13 years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4488579 |
| XXXX | XXXX | 304736270 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304736021 C B A | Closed | FCRE1510 | 2025-06-23 14:38 | 2025-07-01 16:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, restriction does not apply to business purpose loans. - Due Diligence Vendor-07/01/2025 <br> Ready for Review-This is response received from closing agent whom also notarized the deed: <br> "XXXX doesn't require mortgages to be witnessed. Also, the notary stamp has all that information. Never have I had to fill out before.<br> XXXX<br> XXXX<br> - Seller-06/30/2025 <br> Ready for Review-Please clear this as Notary was present and notary stamp provided his information. Thank you <br> - Seller-06/30/2025 <br> Counter-XXXX requires one witness, but one can be the Notary. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Disagree: XXXX doesn't require mortgages to be witnessed. - Seller-06/23/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Deed is missing the witness signature - Due Diligence Vendor-06/23/2025 | Ready for Review-This is response received from closing agent whom also notarized the deed: <br> "XXXX doesn't require mortgages to be witnessed. Also, the notary stamp has all that information. Never have I had to fill out before.<br> XXXX<br> XXXX"<br> - Seller-06/30/2025 <br> Ready for Review-Please clear this as Notary was present and notary stamp provided his information. Thank you <br> - Seller-06/30/2025 <br> Ready for Review-Disagree: XXXX doesn't require mortgages to be witnessed. - Seller-06/23/2025 | Resolved-Upon further review, restriction does not apply to business purpose loans. - Due Diligence Vendor-07/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 745 is higher than the minimum FICO required of 700<br>Months Reserves exceed minimum required - Verified assets of 20.91 months exceeds the minimum required of 3 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4531751 |
| XXXX | XXXX | 304736021 C B A | Closed | FCRE0970 | 2025-06-23 12:42 | 2025-06-23 15:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material - Due Diligence Vendor-06/23/2025 <br>Open-Exception to proceed with appraisal being transferred after 60 days of appraisal being done, closing prior to 120 days of appraisal being done. - Due Diligence Vendor-06/23/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material - Due Diligence Vendor-06/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 745 is higher than the minimum FICO required of 700<br>Months Reserves exceed minimum required - Verified assets of 20.91 months exceeds the minimum required of 3 months | FICO score is at least 20 points above minimum<br> 24+ month credit history exceeds minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4529260 |
| XXXX | XXXX | 304736263 C A | Closed | FCRE1197 | 2025-06-26 16:21 | 2025-06-30 14:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review, bank statement program uses the Full Doc - XXXX Matrix. Audited FICO of 644 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 mo. Business Bank statement income verification and per the attached XXXX matrix, dated XXXX, the income eligibility for Personal or Business Bank statements is based off the XXXX-Full Doc Matrix (see page 5 in red). As such, the 644 FICO meets the requirements, and an exception is not required. - Seller-06/27/2025 <br> Open-Audited FICO of 644 is less than Guideline FICO of 680 . No exception found - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 mo. Business Bank statement income verification and per the attached XXXX matrix, dated XXXX, the income eligibility for Personal or Business Bank statements is based off the XXXX-Full Doc Matrix (see page 5 in red). As such, the 644 FICO meets the requirements, and an exception is not required. - Seller-06/27/2025 | Resolved-Upon further review, bank statement program uses the Full Doc - Lite Matrix. Audited FICO of 644 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-06/30/2025<br>| Qualifying DTI below maximum allowed - DTI of 38.15% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 51.13 months exceeds the minimum required of 3 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4577683 |
| XXXX | XXXX | 304875612 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875611 D A | Closed | FCRE5809 | 2025-07-11 15:24 | 2025-07-21 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-CA SOS confirmation provided, currently in good standing - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Please note verification via XXXX Secretary of State that the businesses are active were uploaded with the loan file. Please refer to pages 512-517 and attached herein. - Seller-07/14/2025 <br> Open-Provide CPA letter and/or third party verification that businesses are active and in existence within 60 days of Note. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Please note verification via XXXX Secretary of State that the businesses are active were uploaded with the loan file. Please refer to pages 512-517 and attached herein. - Seller-07/14/2025 | Resolved-CA SOS confirmation provided, currently in good standing - Due Diligence Vendor-07/21/2025<br>| Verified employment history exceeds guidelines - Borrower's corporations have been operating since 2020.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 29.19% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4791451 |
| XXXX | XXXX | 304758139 D B A | Closed | FCRE8701 | 2025-07-17 07:26 | 2025-08-14 14:34 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received the Borrowing Certificate. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Please see your prior comments, you have items already and you acknowledged same "LLC Borrowing Certificate was provided. Please provide Certificate of Authorization for the person executing all documents on behalf of the Entity." - Seller-08/12/2025 <br> Counter-5.2 gives equal rights and is not sufficient. Please provide the Borrowing Certificate. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Please see verbiage addressing the latest concern, which states \*\*\* 5.2 Authority of Members: Each Member has equal rights in the management and control of the Company. - Seller-08/06/2025 <br> Counter-LLC Borrowing Certificate was provided. Please provide Certificate of Authorization for the person executing all documents on behalf of the Entity. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. borrowing cert attached - Seller-07/23/2025 <br> Counter-Operating agreement provided. Please provide Certificate of Authorization for the person executing all documents on behalf of the Entity - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN for XXXX. - Due Diligence Vendor-07/17/2025 | Ready for Review-Please see your prior comments, you have items already and you acknowledged same "LLC Borrowing Certificate was provided. Please provide Certificate of Authorization for the person executing all documents on behalf of the Entity." - Seller-08/12/2025 <br>Ready for Review-Please see verbiage addressing the latest concern, which states \*\*\* 5.2 Authority of Members: Each Member has equal rights in the management and control of the Company. - Seller-08/06/2025 <br>Ready for Review-Document Uploaded. borrowing cert attached - Seller-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Resolved-Received the Borrowing Certificate. - Due Diligence Vendor-08/14/2025<br>| Months Reserves exceed minimum required - Min reserves 0 mths- Borrower has 78.51 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4848586 |
| XXXX | XXXX | 304758139 D B A | Closed | FCRE8700 | 2025-07-17 11:18 | 2025-08-14 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received EIN - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - XXXX operating agreement and XXXX - Seller-07/21/2025 <br> Open-Missing EIN for XXXX - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - XXXX operating agreement and XXXX- Seller-07/21/2025 | Resolved-Received EIN - Due Diligence Vendor-07/23/2025<br>| Months Reserves exceed minimum required - Min reserves 0 mths- Borrower has 78.51 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4852233 |
| XXXX | XXXX | 304758139 D B A | Closed | FCRE8712 | 2025-07-17 08:03 | 2025-07-23 15:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Received Rent Free Letter. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Please see attached - XXXX Rent Free Letter from Spouse - Seller-07/21/2025 <br> Open-Missing Rent Free Letter from Spouse. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Please see attached - XXXX Rent Free Letter from Spouse - Seller-07/21/2025 | Resolved-Received Rent Free Letter. - Due Diligence Vendor-07/23/2025<br>| Months Reserves exceed minimum required - Min reserves 0 mths- Borrower has 78.51 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 686 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4848926 |
| XXXX | XXXX | 304758139 D B A | Closed | FCRE1200 | 2025-07-17 08:00 | 2025-07-17 11:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted to allow for - loan amount [ XXXX ] less than [ XXXX ] max loan amount required . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/17/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Exception request: Requesting exception to go below XXXX loan amount. - Due Diligence Vendor-07/17/2025 |  | Waived-Originator exception granted to allow for - loan amount [XXXX ] less than [ XXXX ] max loan amount required . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/17/2025 | Months Reserves exceed minimum required - Min reserves 0 mths- Borrower has 78.51 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 686 | Borrower has over 6 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4848902 |
| XXXX | XXXX | 304758139 D B A | Closed | FCRE1440 | 2025-07-17 07:45 | 2025-07-17 11:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow for - first time investor without owning a primary or a mortgage for 12 months. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/17/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Exception request: Allow First Time Investor without owning a primary or mortgage for 12 mths. - Due Diligence Vendor-07/17/2025 |  | Waived-Originator exception granted to allow for - first time investor without owning a primary or a mortgage for 12 months. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/17/2025<br>| Months Reserves exceed minimum required - Min reserves 0 mths- Borrower has 78.51 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 686 | Borrower has over 6 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4848751 |
| XXXX | XXXX | 304754711 D B C A | Closed | FCOM1263 | 2025-07-17 16:23 | 2025-10-01 07:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Received ROR for 2nd borrower, finding resolved. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/30/2025 <br> Counter-Per upper management: The subject property is not an investment; the subject closed as a primary residence for borrower 1 and borrower 2 holds an ownership interest per title. A non-occupying co-borrower is required to receive the right of rescission notice and has the right to rescind the loan as the right applies to all consumers whose ownership interest in the principal dwelling will be subject to the security interest whether they occupy the property or not. Borrower 2 would only be exempt from signing a ROR if they did not hold an ownership interest as per §1026.23. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Please see supervisor, Our closing team has verified that The subject property is identified as Investment / Will Not Occupy. Because the collateral is not the borrower's principal dwelling, the transaction falls outside the scope of §1026.23(a)(1). Accordingly, a Notice of Right to Cancel is not required under TILA/Reg Z.: Per 12 CFR §1026.23. <br> Please advise if you have a specific contrary citation as 12 CFR §1026.23(a)(1) requires rescission only if the loan is secured by the borrower's principal dwelling and a consumer may only have one principal dwelling at a time. An investment home would not be a principal dwelling. <br> - Seller-09/05/2025 <br> Counter-The right of rescission under TILA (Regulation Z) applies to any consumer whose ownership interest is subject to the security interest of the loan, regardless of whether they live in the property as their primary residence. Finding remains. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Right of Rescission apply to Principal dwelling, B2 XXXX is a non occupant borrower, Subject property is a Investment for this borrower and a notice of right to cancel is not required for this borrower alone. please clear <br> - Seller-08/11/2025 <br> Counter-Borrower 2 is signed on both the Note and DOT, also on the title. Per XXXX guidelines a Right of Rescission is required. Please provide. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-B2 XXXX is a non occupant borrower, Subject property is a Investment for this borrower and a notice of right to cancel is not required for this borrower alone. Thank you - Seller-07/29/2025 <br> Open-Right of Rescission is Partially Provided B2 ROR not provided - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/30/2025 <br> Ready for Review-Please see supervisor, Our closing team has verified that The subject property is identified as Investment / Will Not Occupy. Because the collateral is not the borrower's principal dwelling, the transaction falls outside the scope of §1026.23(a)(1). Accordingly, a Notice of Right to Cancel is not required under TILA/Reg Z.: Per 12 CFR §1026.23. <br> Please advise if you have a specific contrary citation as 12 CFR §1026.23(a)(1) requires rescission only if the loan is secured by the borrower's principal dwelling and a consumer may only have one principal dwelling at a time. An investment home would not be a principal dwelling. <br> - Seller-09/05/2025 <br> Ready for Review-Right of Rescission apply to Principal dwelling, B2 XXXX is a non occupant borrower, Subject property is a Investment for this borrower and a notice of right to cancel is not required for this borrower alone. please clear <br> - Seller-08/11/2025 <br> Ready for Review-B2 XXXX is a non occupant borrower, Subject property is a Investment for this borrower and a notice of right to cancel is not required for this borrower alone. Thank you - Seller-07/29/2025 | Resolved-Received ROR for 2nd borrower, finding resolved. - Due Diligence Vendor-10/01/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 30.56%.<br>Months Reserves exceed minimum required - 30.13 mos reserves; 3 mos required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4859228 |
| XXXX | XXXX | 304754711 D B C A | Closed | FCRE1197 | 2025-07-22 14:47 | 2025-07-24 15:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow FICO Score Non-material waiver applied to finding with compensating factors. Non Material, 1 point variance. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Please see attached exception from XXXX, stacking order missed upload - Seller-07/22/2025 <br> Open-Audited FICO of 659 is less than Guideline FICO of 660 - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Please see attached exception from XXXX, stacking order missed upload - Seller-07/22/2025 | Waived-Originator exception granted to allow FICO Score Non-material waiver applied to finding with compensating factors. Non Material, 1 point variance. - Due Diligence Vendor-07/24/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 30.56%.<br>Months Reserves exceed minimum required - 30.13 mos reserves; 3 mos required | DTI is 5% below maximum<br> mortgage history 0x30x24 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4908572 |
| XXXX | XXXX | 304758134 D A | Closed | FCRE7009 | 2025-07-22 14:47 | 2025-09-17 17:28 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received PCCD and First Payment letter reflecting the correct insurance amount. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Revised 1st pmt letter and PCCD uploaded - Seller-09/15/2025 <br> Counter-Annual premium of XXXX does not match CD XXXX-please confirm active and provide correct 1st payment letter. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-American Family Insurance policy XXXX was the only policy considered and needed in the underwrite of this transaction. The RCE for this policy also confirms sufficient coverage. - Seller-09/11/2025 <br> Counter-Received HOI from American Family-premium differs from that collected on CD (Traveler's). Please clarify on policy considered. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please review corrected HOI w/ dwelling of XXXX which covers loans amount and RCE. Please also review updated 1008 - Seller-08/26/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Missing proof of sufficient Hazard Insurance coverage. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Revised 1st pmt letter and PCCD uploaded - Seller-09/15/2025 <br> Ready for Review-American Family Insurance policy XXXX was the only policy considered and needed in the underwrite of this transaction. The RCE for this policy also confirms sufficient coverage. - Seller-09/11/2025 <br> Ready for Review-Document Uploaded. Please review corrected HOI w/ dwelling of 1,379,300 which covers loans amount and RCE. Please also review updated 1008 - Seller-08/26/2025 | Resolved-Received PCCD and First Payment letter reflecting the correct insurance amount. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 35% <br>Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 27.84 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4908540 |
| XXXX | XXXX | 304758134 D A | Closed | FCRE8887 | 2025-07-22 15:15 | 2025-07-22 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review, this is an investment and a 1003 error is not material. - Due Diligence Vendor-07/22/2025 <br> Open-1003 is incorrectly set up- pg 1 shows XXXX as the borrower's primary, however under the REO Section this property is shown as an Investment. The subject, XXXX was submitted as an Investment, but under the REO Section it shows as the borrower's primary. Provide the corrected 1003 and 1008. - Due Diligence Vendor-07/22/2025 |  | Resolved-Upon further review, this is an investment and a 1003 error is not material. - Due Diligence Vendor-07/22/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 35% <br>Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 27.84 mths in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4909086 |
| XXXX | XXXX | 304758160 C B A | Closed | finding-3635 | 2025-07-18 13:16 | 2025-08-07 08:43 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Letter of Explanation received, provided documents are now sufficient to cure tolerance violation. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br> Counter-Received PCCD XXXX, copy of check and evidence of delivery. Please provide LOX. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/29/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($700.00) exceed the comparable charges ($441.00) 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). -----Ten (10%) tolerance fees (Recording Fee) increased by $214.90 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $214.90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/29/2025<br>| Cured-Letter of Explanation received, provided documents are now sufficient to cure tolerance violation. - Due Diligence Vendor-08/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 726<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 37.46% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4871244 |
| XXXX | XXXX | 304758160 C B A | Closed | finding-3652 | 2025-07-18 13:16 | 2025-08-07 08:42 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Letter of Explanation received, provided documents are now sufficient to cure tolerance violation. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br> Counter-Received PCCDXXXX, copy of check and evidence of delivery. Please provide LOX. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/29/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($8.61) does not exceed or equal the comparable sum of specific and non-specific lender credits ($214.90). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $214.90 to $8.61 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $206.29, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/29/2025<br>| Cured-Letter of Explanation received, provided documents are now sufficient to cure tolerance violation. - Due Diligence Vendor-08/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 726<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 37.46% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4871241 |
| XXXX | XXXX | 304758160 C B A | Closed | FCRE9488 | 2025-07-23 12:41 | 2025-07-25 16:12 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Upon further review, the 1008 in the loan file states non-occupying borrower for B2. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. 1008 clearly states that the co-borrower is a non - occupant Co-Borrower. Per 2.8.5 XXXX guide for non-Occupant co-borrower, there is no evidence or requirement needed that non-occupant co-borrower should be moving into the subject property as a primary residence. Please waive this condition. - Seller-07/23/2025 <br> Open-B2 - Occupancy concerns. B2 should be a non-occupant co-borrower. Per application they live in a different residence, but no evidence they were moving into the subject as a primary. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Please see attached. 1008 clearly states that the co-borrower is a non - occupant Co-Borrower. Per 2.8.5 XXXX guide for non-Occupant co-borrower, there is no evidence or requirement needed that non-occupant co-borrower should be moving into the subject property as a primary residence. Please waive this condition. - Seller-07/23/2025 | Resolved-Upon further review, the 1008 in the loan file states non-occupying borrower for B2. - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 726<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 37.46% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4920935 |
| XXXX | XXXX | 304875624 D A | Closed | FCRE1764 | 2025-08-01 13:25 | 2025-08-07 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received Updated 1003 and 1008 - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached 1008 and updated 1003. - Seller-08/06/2025 <br> Counter-Please provide a revised 1003 and 1008. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. There are statements in file from Parishioner XXXX in XXXX that verify the HELOC is a NOO (non-owner occupied) and does not belong to our subject that is a Primary Res, as confirmed by the Title Report. I've added the HELOC to the second rental on the VOM and updated the DTI, which remains within acceptable limits. - Seller-08/05/2025 <br> Open-Missing the most recent 12 months mortgage history for Parishioner XXXX and what property it is against. Upon receipt additional conditions maybe required. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached 1008 and updated 1003. - Seller-08/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. There are statements in file from XXXX in XXXX that verify the HELOC is a NOO (non-owner occupied) and does not belong to our subject that is a Primary Res, as confirmed by the Title Report. I've added the HELOC to the second rental on the VOM and updated the DTI, which remains within acceptable limits. - Seller-08/05/2025 | Resolved-Received Updated 1003 and 1008 - Due Diligence Vendor-08/07/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50% - Borrower's DTI 39%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 780 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5026381 |
| XXXX | XXXX | 304875624 D A | Closed | FCRE7497 | 2025-08-01 13:39 | 2025-08-06 16:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage statements with escrows. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. XXXX Mortgage loan statement for 3b - XXXX shows taxes and insurance are impounded. XXXX statement for 3c - XXXX shows taxes and insurance are impounded. Please clear this finding. - Seller-08/04/2025 <br> Open-Missing for 3b the taxes and 3c the taxes & HOI. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached. Mr. Cooper Mortgage loan statement for 3b - XXXXshows taxes and insurance are impounded. SPS mortgage statement for 3c - XXXX shows taxes and insurance are impounded. Please clear this finding. - Seller-08/04/2025 | Resolved-Received Mortgage statements with escrows. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50% - Borrower's DTI 39%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 780 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5026670 |
| XXXX | XXXX | 304875619 D B A | Closed | FCRE1180 | 2025-07-31 18:45 | 2025-08-05 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received evidence of walls-in with betterments & Improvements. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. Master policy clearly states that the policy covers walls-in with betterments & improvements. Please clear this finding. - Seller-08/01/2025 <br>Open-HO-6 Insurance Policy is Missing Provide missing H0-6 Insurance Policy with annual premium. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Please see attached. Master policy clearly states that the policy covers walls-in with betterments & improvements. Please clear this finding. - Seller-08/01/2025<br>| Resolved-Received evidence of walls-in with betterments & Improvements. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 747<br>Credit history exceeds minimum required - 0X30 credit history 24 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5016139 |
| XXXX | XXXX | 304875619 D B A | Closed | FCRE8201 | 2025-07-31 19:07 | 2025-08-01 11:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow missing 12 month housing history, Non-material waiver applied with comp factors.<br> non-material due to borrower having a strong credit score, credit report reflects no deficiencies, rent free letter provided in the file from the borrowers father. - Due Diligence Vendor-08/01/2025 <br>Open-Lender Exception approved to allow first time investor living rent free missing 12 month housing history, borrower living rent free with Father. - Due Diligence Vendor-07/31/2025 |  | Waived-Originator exception granted to allow missing 12 month housing history, Non-material waiver applied with comp factors.<br> non-material due to borrower having a strong credit score, credit report reflects no deficiencies, rent free letter provided in the file from the borrowers father. - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 747<br>Credit history exceeds minimum required - 0X30 credit history 24 months | 1. 747 FICO over 20 points of requirement<br> 2. 0X30 credit history 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5016250 |
| XXXX | XXXX | 304875613 C A | Closed | FCRE0075 | 2025-08-06 13:17 | 2025-08-25 15:43 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received LOE from borrower marked in error. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/21/2025 <br>Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Missing documentation and explanation for the "YES" answers under :Section 5: Declarations" for questions (5a.D1) : Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application; and (5a.F): Are you a co- signer or guarantor on any debt or loan that is not disclosed on this application? - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/21/2025<br>| Resolved-Received LOE from borrower marked in error. - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 749<br>Months Reserves exceed minimum required - Min reserves 3 mths- Borrower has 117.49 mths in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5078145 |
| XXXX | XXXX | 304875613 C A | Closed | finding-3634 | 2025-08-06 13:57 | 2025-08-08 17:16 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Zero (0%) tolerance fees increased by $200.00 (442 Re-Inspection) without a valid COC in file. However, there is a lender credit on Final Cd 7/22/25 for fee's above legal limit in the amount of $200.00. Resolved.<br> - Due Diligence Vendor-08/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $200.00 (442 Re-Inspection) without a valid COC in file. However, there is a lender credit on Final Cd XXXX for fee's above legal limit in the amount of $200.00. Resolved. - Due Diligence Vendor-08/06/2025 |  | Resolved------Zero (0%) tolerance fees increased by $200.00 (442 Re-Inspection) without a valid COC in file. However, there is a lender credit on Final Cd XXXX for fee's above legal limit in the amount of $200.00. Resolved.<br> - Due Diligence Vendor-08/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 749<br>Months Reserves exceed minimum required - Min reserves 3 mths- Borrower has 117.49 mths in reserves |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5079007 |
| XXXX | XXXX | 304817013 D B A | Closed | FCRE0108 | 2025-08-25 08:36 | 2025-08-27 15:37 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received master policy w/sufficient Fidelity Coverage. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. 8.25 please see page 1114, HOA master reflects "crime coverage" policy XXXX, This coverage is also a "fidelity bond" or "XXXX" coverage. - Seller-08/25/2025 <br> Open-Fidelity Coverage not met. Missing Fidelity Coverage on Master Insurance Policy. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. 8.25 please see page 1114, HOA master reflects "crime coverage" policy XXXX, This coverage is also a "fidelity bond" or "XXX" coverage. - Seller-08/25/2025 | Resolved-Received master policy w/sufficient Fidelity Coverage. - Due Diligence Vendor-08/27/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20--- Borrowers DSCR % 1.636<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 640- Borrowers FICO 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5297611 |
| XXXX | XXXX | 304817013 D B A | Closed | FCRE6019 | 2025-08-25 09:33 | 2025-08-27 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Upon further review, the Front copy is sufficient. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-For XXXX loans, Lender does not require back side of Resident Alien Card. - Seller-08/25/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing back of green card for B1 and B2. - Due Diligence Vendor-08/25/2025 | Ready for Review-For NONQM loans, Lender does not require back side of Resident Alien Card. - Seller-08/25/2025<br>| Resolved-Upon further review, the Front copy is sufficient. - Due Diligence Vendor-08/27/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20--- Borrowers DSCR % 1.636<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 640- Borrowers FICO 772 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5298447 |
| XXXX | XXXX | 304817013 D B A | Closed | FCRE1198 | 2025-08-25 09:15 | 2025-08-27 15:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Credit exception enclosed - Seller-08/25/2025 <br>Open-Audited Reserves of 5.72 month(s) are less than Guideline Required Reserves of 6 month(s) Provide - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Credit exception enclosed - Seller-08/25/2025<br>| Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-08/27/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20--- Borrowers DSCR % 1.636<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 640- Borrowers FICO 772 | Qualifying FICO score is at least 20 points above minimum for program | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 5298192 |
| XXXX | XXXX | 304817001 D A | Closed | FCRE0108 | 2025-08-25 16:48 | 2025-09-23 15:33 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Policy w/sufficient XXXX Coverage. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/19/2025 <br> Counter-Subject property is new project-limited review is not eligible-finding remains. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Subject is a limited condo review. Per XXXX guides B7-4-02 under Determining if Fidelity Insurance is Required, coverage is not required since this is a limited review. Please waive finding - Seller-09/03/2025 <br> Open-Fidelity Coverage not met. Not noted on Condo Policy - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/19/2025 <br> Ready for Review-Subject is a limited condo review. Per XXXX guides B7-4-02 under Determining if Fidelity Insurance is Required, coverage is not required since this is a limited review. Please waive finding - Seller-09/03/2025 | Resolved-Received Policy w/sufficient Fidelity Coverage. - Due Diligence Vendor-09/23/2025<br>| Months Reserves exceed minimum required - 2 months minimum reserve, borrower has 48.33 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 754 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5308388 |
| XXXX | XXXX | 304817001 D A | Closed | FCRE7996 | 2025-08-26 13:53 | 2025-08-28 14:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing operating income statement form 216 | Resolved-Received 1007 - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. Please see attached 1007 to support monthly rental income used for the DSCR calculation. - Seller-08/26/2025 <br>Open-Did not locate the Operating Inc Stmt. Note on final 1008 and DSCR calculation reflect income of $4300 but could not find documentation to support - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. Please see attached 1007 to support monthly rental income used for the DSCR calculation. - Seller-08/26/2025<br>| Resolved-Received 1007 - Due Diligence Vendor-08/28/2025<br>| Months Reserves exceed minimum required - 2 months minimum reserve, borrower has 48.33 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 754 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5322334 |
| XXXX | XXXX | 304816991 D A C | Closed | FCRE0109 | 2025-08-26 07:59 | 2025-09-09 15:52 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Upon further review, the loan file contains sufficient documentation. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Please see supervisor, not valid; Lender notes it appears this finding has come up often and each response has been the back of the EAD card is not required. The XXXX Guidelines do not require the back of the EAD card. Please clear - Seller-09/05/2025 <br> Counter-Please provide back of EAD card. Although guideline is not specific, it does indicate the card is required. The card consist of the front and back, which is required should E-verification is required. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Please waive, Guidelines do not require the back of the EAD card. - Seller-09/02/2025 <br> Counter-Please provide the back of the EAD card for complete validation. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Lender does not require the back of the borrower's EAD Card. - Seller-08/28/2025 <br> Open-Missing the back of the borrower's EAD Card. - Due Diligence Vendor-08/26/2025 | Ready for Review-Please see supervisor, not valid; Lender notes it appears this finding has come up often and each response has been the back of the EAD card is not required. The XXXX Guidelines do not require the back of the EAD card. Please clear - Seller-09/05/2025 <br> Ready for Review-Please waive, Guidelines do not require the back of the EAD card. - Seller-09/02/2025 <br> Ready for Review-Lender does not require the back of the borrower's EAD Card. - Seller-08/28/2025 | Resolved-Upon further review, the loan file contains sufficient documentation. - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - Min Reserves req'd 0 mths--- Borrower has 19.4 mths in reserves <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR % is 1.094 and the min is 0. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5314616 |
| XXXX | XXXX | 304816991 D A C | Closed | FCRE1440 | 2025-08-26 07:39 | 2025-09-09 15:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received corrected VOM reflecting the correct subjects address and account number. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Correct VOM was already provided, please see attached - Seller-09/05/2025 <br> Counter-Received VOM with property address section still reflecting XXXX. Please provide updated VOM with the property address of subject property in the property address section. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Further explanation - The borrower is on title with XXXX (per property profile report) but is not on the XXXX (only XXXX is per mtg statement). The co-owner, XXXX, established a property management agreement with XXXX and appointed her landlord on her behalf and charges the co-owner (our borrower) who is not on the mortgage, XXXX/mo. That is why the VOR is in file. - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. Please see attached missed updated doc due to Stacking order - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. Please see Section 7 - account number box information has the correct property information as Subject - XXXX - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. Please see attached property profile shows Primary is owned and Supporting docs show management agreement of Primary - Seller-09/02/2025 <br> Counter-Received a statement-VOM does not reflect the secure property-provide correct VOM. Did not receive clarification on VOR and discrepancy on 1003 for primary residence. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing the correct property address on the VOM from XXXX(it currently reflects the borrower's primary address, not the subject address) and why there is a VOR for XXXX., if the borrower owns it (per the 1003). - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. Correct VOM was already provided, please see attached - Seller-09/05/2025 <br> Ready for Review-Further explanation - The borrower is on title with XXXX (per property profile report) but is not on the XXXX (only XXXX is per mtg statement). The co-owner, XXXX, established a property management agreement with XXXX and appointed her landlord on her behalf and charges the co-owner (our borrower) who is not on the mortgage, XXXX/mo. That is why the VOR is in file. - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. Please see attached missed updated doc due to Stacking order - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. Please see Section 7 - account number box information has the correct property information as Subject - XXXX - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. Please see attached property profile shows Primary is owned and Supporting docs show management agreement of Primary - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/28/2025 | Resolved-Received corrected VOM reflecting the correct subjects address and account number. - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - Min Reserves req'd 0 mths--- Borrower has 19.4 mths in reserves <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR % is 1.094 and the min is 0. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5314460 |
| XXXX | XXXX | 304816991 D A C | Closed | FCRE1492 | 2025-08-26 07:54 | 2025-08-29 16:36 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required cash out documentation. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Please waive as the file contains the executed business purpose affidavit and the XXXX guide does not require cash out letters. - Seller-08/28/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Missing Cash Out Letter. - Due Diligence Vendor-08/26/2025 | Ready for Review-Please waive as the file contains the executed business purpose affidavit and the XXXX guide does not require cash out letters. - Seller-08/28/2025 | Resolved-Upon further review, the loan file contained all required cash out documentation. - Due Diligence Vendor-08/29/2025<br>| Months Reserves exceed minimum required - Min Reserves req'd 0 mths--- Borrower has 19.4 mths in reserves <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR % is 1.094 and the min is 0. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5314573 |
| XXXX | XXXX | 304816991 D A C | Closed | FPRO1253 | 2025-08-26 10:27 | 2025-08-29 16:34 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/28/2025 <br>Open-Missing secondary valuation per lendign guides. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/28/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-08/29/2025<br>| Months Reserves exceed minimum required - Min Reserves req'd 0 mths--- Borrower has 19.4 mths in reserves <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR % is 1.094 and the min is 0. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5316953 |
| XXXX | XXXX | 304817018 D A | Closed | FPRO1242 | 2025-08-28 21:10 | 2025-09-03 16:08 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025 <br>Open-Appraisal is Missing Missing Appraisal report for subject property. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025<br>| Resolved-Received Appraisal. - Due Diligence Vendor-09/03/2025<br>| Months Reserves exceed minimum required - Verified assets of 5.54 months exceeds the minimum required of 3 months<br>Qualifying DTI below maximum allowed - DTI of 14.01% is less than the maximum allowed per guidelines of 50% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5356241 |
| XXXX | XXXX | 304817038 C B A | Closed | FCRE8201 | 2025-09-02 20:30 | 2025-09-03 07:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow Visa requirement, Non-material waiver applied with comp factors. non-material due to XXXX residence do not need a visa to temporary visit. - Due Diligence Vendor-09/03/2025 <br> Open-Missing copy of valid Visa. The loan file contains an approved exception Seeking a soft exception to not require a XXXX. Borrower is a<br> XXX Citizen. XXXX Citizens do not require VISA for temporary visits to USA. - Due Diligence Vendor-09/03/2025 |  | Waived-Originator exception granted to allow Visa requirement, Non-material waiver applied with comp factors. non-material due to Canada residence do not need a visa to temporary visit. - Due Diligence Vendor-09/03/2025<br>| Months Reserves exceed minimum required - 6 months reserves required / Borrower reserves 20.59 months.<br>DSCR % greater than 1.20 - DSCR 1.498% | DSCR >1.2 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5387505 |
| XXXX | XXXX | 304817037 D B A | Closed | FCOM1220 | 2025-08-30 08:25 | 2026-02-23 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received correct recorded DOT - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/15/2025 <br>Counter-Received security instrument with loan amount of $312,000-provide subject property security instrument. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025 <br>Open-The Deed of Trust is Missing . - Due Diligence Vendor-08/30/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/02/2025<br>| Resolved-Received correct recorded DOT - Due Diligence Vendor-09/17/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.06. 1.00 was required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5370110 |
| XXXX | XXXX | 304817037 D B A | Closed | FCRE1194 | 2025-08-30 11:21 | 2025-09-03 15:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for 70% LTV, applied to non material finding with comp factors - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. - Seller-09/02/2025 <br>Open-Audited LTV of 69.58% exceeds Guideline LTV of 65% - Due Diligence Vendor-08/30/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025<br>| Waived-Originator provided a waiver for 70% LTV, applied to non material finding with comp factors - Due Diligence Vendor-09/03/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.06. 1.00 was required. | Mortgage history: 0x30 for 24 months<br> DSCR >1.00 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5370450 |
| XXXX | XXXX | 304817037 D B A | Closed | FCRE1198 | 2025-08-30 11:21 | 2025-09-03 15:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for no reserves, applied to non material finding with comp factors - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. - Seller-09/02/2025 <br>Open-Audited Reserves of 1.25 month(s) are less than Guideline Required Reserves of 3 month(s). - Due Diligence Vendor-08/30/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025<br>| Waived-Originator provided a waiver for no reserves, applied to non material finding with comp factors - Due Diligence Vendor-09/03/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.06. 1.00 was required. | 1. DSCR is 1.06. 1.00 was required. 2. Mortgage History 0x30x12. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5370451 |
| XXXX | XXXX | 304875600 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304819792 C A | Closed | FCRE1159 | 2025-09-01 09:11 | 2025-09-15 16:24 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received current HOI policy. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/12/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX. Provide hazard Insurance effective prior to funding. - Due Diligence Vendor-09/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/12/2025<br>| Resolved-Received current HOI policy. - Due Diligence Vendor-09/15/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines of >than 5 years.<br>Qualifying DTI below maximum allowed - DTI is 26.83% and max allowed is 50.49% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5373253 |
| XXXX | XXXX | 304819792 C A | Closed | FCRE1510 | 2025-08-29 08:53 | 2025-09-04 14:50 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/legal. - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. Page 152-168 - Deed of Trust Page 169 - Attached Legal Description. - Seller-09/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Exhibit A; Legal Description. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see attached. Page 152-168 - Deed of Trust Page 169 - Attached Legal Description. - Seller-09/02/2025<br>| Resolved-Received DOT w/legal. - Due Diligence Vendor-09/04/2025<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines of >than 5 years.<br>Qualifying DTI below maximum allowed - DTI is 26.83% and max allowed is 50.49% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5359042 |
| XXXX | XXXX | 304825194 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304825187 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304825184 D A | Closed | FCRE1193 | 2025-09-08 16:05 | 2025-10-01 17:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 52.29% is less than or equal to Guideline DTI of 55%. Under the expanded guidelines DTI up to 55% allowable with an additional 3 months reserves. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-That requirement that borrower demonstrate they have 10% of their own funds for the down payment but does not have to be contributed to the transaction is for investment transactions only. This is a primary purchase and gifts can be used for reserves without a demonstrated ability to contribute. Also, assets do not have to meet ATR guidelines, that is for income only. Please clear or escalate to Clarifi management. - Seller-09/26/2025 <br> Counter-While Gift funds are allowed for reserves, to support the borrowers ability to repay for expanded criteria the borrower should have own funds demonstrating the ability to repay. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-XXXX Non-QM Guide -9.4 Gift funds shows 100% gift allowed on all occupancy types and is allowed on purchase. Please clear this finding. - Seller-09/22/2025 <br> Counter-The loan file does not contain any assets belonging to the borrower. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached Bundt XXXX NQM Matrix Overlays - Expanded DTI (50.01 -55%) - Primary shows +3 mos reserves. This file only requires 6 mos. reserves but since the borrowers have 9 mos. reserves, DTI may go to 50.01 to 55%. Please clear this finding. - Seller-09/17/2025 <br> Counter-Unable to verify with the approved guidelines. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-This is a XXXX OO 30 y fixed full Doc OO program loan. Total verified assets are XXXX. EMD is XXXX Funds to close is XXXX = XXXX. Funds remaining is $368,633.21. Monthly PITIA is XXXX x 9 months = XXXX. There is an expanded DTI overlay for Primary that allows DTI of 50.01 to 55% if reserves are + 3 months of the required reserves of 6 months. In this case, Assets more than meets the required 6 months + 3 months reserves. Please clear this finding. - Seller-09/10/2025 <br> Open-Audited DTI of 52.29% exceeds Guideline DTI of 50% DTI is over 50% based on the updated XXXX payment and the HOA Fee of the condo per the appraisal - Due Diligence Vendor-09/08/2025 | Ready for Review-That requirement that borrower demonstrate they have 10% of their own funds for the down payment but does not have to be contributed to the transaction is for investment transactions only. This is a primary purchase and gifts can be used for reserves without a demonstrated ability to contribute. Also, assets do not have to meet ATR guidelines, that is for income only. Please clear or escalate to Clarifi management. - Seller-09/26/2025 <br> Ready for Review-XXXX Non-QM Guide - XXXX Gift funds shows 100% gift allowed on all occupancy types and is allowed on purchase. Please clear this finding. - Seller-09/22/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX XXXX Matrix Overlays - Expanded DTI (50.01 -55%) - Primary shows +3 mos reserves. This file only requires 6 mos. reserves but since the borrowers have 9 mos. reserves, DTI may go to 50.01 to 55%. Please clear this finding. - Seller-09/17/2025 <br> Ready for Review-This is a XXXX OO 30 y fixed full Doc OO program loan. Total verified assets are XXXX. EMD is XXXX + Funds to close is XXXX = XXXX. Funds remaining is XXXX. Monthly PITIA is XXXX x 9 months = XXXX. There is an expanded DTI overlay for Primary that allows DTI of 50.01 to 55% if reserves are + 3 months of the required reserves of 6 months. In this case, Assets more than meets the required 6 months + 3 months reserves. Please clear this finding. - Seller-09/10/2025 | Resolved-Audited DTI of 52.29% is less than or equal to Guideline DTI of 55%. Under the expanded guidelines DTI up to 55% allowable with an additional 3 months reserves. - Due Diligence Vendor-10/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 620- Borrower's FICO 735<br>LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5456283 |
| XXXX | XXXX | 304825184 D A | Closed | FCRE1484 | 2025-09-08 17:35 | 2025-09-26 12:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Received Gift Letter - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025 <br> Open-Asset 6 Does Not Meet Guideline Requirements Missing gift letter for XXXX - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025<br>| Resolved-Received Gift Letter - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 620- Borrower's FICO 735<br>LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5457847 |
| XXXX | XXXX | 304825184 D A | Closed | FCRE1485 | 2025-09-08 17:35 | 2025-09-26 12:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Received Gift Letter - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025 <br> Open-Asset 7 Does Not Meet Guideline Requirements Missing gift letter for XXXX<br> - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025<br>| Resolved-Received Gift Letter - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 620- Borrower's FICO 735<br>LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5457849 |
| XXXX | XXXX | 304825184 D A | Closed | FCRE1470 | 2025-09-08 17:35 | 2025-09-26 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. Receipt of Gift funds for XXXX dated XXXX noted on XXXX Title letter dated XXXX. - Seller-09/09/2025 <br> Open-Asset 4 Missing Missing evidence of transfer of gift funds for XXXX on XXXX per letter from title company - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Please see attached. Receipt of Gift funds for XXXX dated XXXX noted on Old Republic Title letter dated XXXX. - Seller-09/09/2025 | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 620- Borrower's FICO 735<br>LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5457846 |
| XXXX | XXXX | 304825184 D A | Closed | FCRE8611 | 2025-09-08 16:52 | 2025-09-19 17:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Upon further review, loan file contains sufficient employment/income documentation. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Please take note that even if the start date was mid XXXX, we still have at least 2 years employment. The VVOE obtained by the Account Manager at closing shows she spoke with HR on XXXX and confirmed the start date was XXXX. Please clear this finding. - Seller-09/17/2025 <br> Counter-Please provide verification from the employer, as the letter specifically states the borrower joined mid-XXXX. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Disagree. VVOE and WVOE shows borrower started work in XXXX. Letter from employer states in middle of XXXX, he received a large promotion that on top of the increase in salary, it also included year-end company bonuses. Please see attached. Please clear this finding. - Seller-09/09/2025 <br> Open-Clarify when the borrower began at Orthobone Inc., as the VOE states XXXX and the letter from the employer states he joined in mid- XXXX. Upon receipt of conditions, additional information maybe required. - Due Diligence Vendor-09/08/2025 | Ready for Review-Please take note that even if the start date was mid XXXX, we still have at least 2 years employment. The VVOE obtained by the Account Manager at closing shows she spoke with HR on XXXX and confirmed the start date was XXXX. Please clear this finding. - Seller-09/17/2025 <br> Ready for Review-Document Uploaded. Disagree. VVOE and WVOE shows borrower started work in XXXX. Letter from employer states in middle of XXXX, he received a large promotion that on top of the increase in salary, it also included year-end company bonuses. Please see attached. Please clear this finding. - Seller-09/09/2025 | Resolved-Upon further review, loan file contains sufficient employment/income documentation. - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 620- Borrower's FICO 735<br>LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5457121 |
| XXXX | XXXX | 304825184 D A | Closed | FCRE6844 | 2025-09-08 17:38 | 2025-09-19 15:48 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Gift letters provided totaling XXXX. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. There is no gift letter of XXXX but there is a breakdown of the gift letters/funds provided that totals to XXXX as evidenced by a confirmation letter from OLD Republic Title dated XXXX. Also, Attached are the corresponding gift letters that is noted on the confirmation letter. Please clear this finding. - Seller-09/17/2025 <br> Counter-pg 28 of the provided loan file has a gift letter of XXXX - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Please clarify as there is no gift letter provided in the file for XXXX. - Seller-09/09/2025 <br> Open-Gift letter for XXXX is incorrect. Should be XXXX<br> - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. There is no gift letter of XXXX but there is a breakdown of the gift letters/funds provided that totals to XXXX as evidenced by a confirmation letter from OLD Republic Title dated XXXX. Also, Attached are the corresponding gift letters that is noted on the confirmation letter. Please clear this finding. - Seller-09/17/2025 <br> Ready for Review-Please clarify as there is no gift letter provided in the file for XXXX - Seller-09/09/2025 | Resolved-Gift letters provided totaling $420,770. - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 620- Borrower's FICO 735<br>LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5457878 |
| XXXX | XXXX | 304825184 D A | Closed | FCRE3091 | 2025-09-08 15:04 | 2025-09-19 15:21 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Updated master insurance policy was provided. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Updated EOI uploaded - Seller-09/17/2025 <br> Open-Master Policy Expiration Date of XXXX is Prior To the Transaction Date of XXXX Missing updated Master Insurance Policy. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Updated EOI uploaded - Seller-09/17/2025<br>| Resolved-Updated master insurance policy was provided. - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 620- Borrower's FICO 735<br>LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5454846 |
| XXXX | XXXX | 304825163 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304843222 C A | Closed | FCRE1440 | 2025-09-10 15:38 | 2025-10-15 17:24 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Proof provided the borrower was not on the Note for property 3AA. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Please clear this defect or escalate to manager for review. TPR reviewed the initial finding per your comments "(received property profile for XXXXconfirming free and clear and lot only)".... it appears there was an additional property being questioned for newly built XXXX / new construction XXXX. of which supporting docs have been provided verifying all title lien items removed, all accordingly and no mortgages were tied to XXXX. Please review item 12 "12. Will be removed from final policy and funds sent to the attorney handling the case". - Seller-10/14/2025 <br> Counter-Documentation received is insufficient to support no lies pendens on borrower. CD received was a refi-and title received noted Coastal Pointe Homes inc-no documentation received supporting borrower has no ownership in vested entity. If borrower was on title at time of lis pendas-must consider in credit qualifying. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. mortgage note also confirms bwr was not obligated - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. Lis pendens docs uploaded - it was against seller, not our bwr - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. Prelim confirming liens uploaded<br> - Seller-09/26/2025 <br> Counter-Received refi CD for XXXX-payoffs noted-unable to determine if mortgages-provide confirmation previously free and clear. (received property profile for XXXX confirming free and clear and lot only) - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. XXXX is not reflecting on borrower's REO as owned and property profile does not support ownership. Property profile also does not support an active mortgage. XXXX - final CD provided reflecting full PITIA - Seller-09/17/2025 <br> Counter-3z - XXXX Missing evidence for the exclusion of the mortgage payment. 3aa - XXXX. Missing PITIA - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Please specify the full addresses in question and what exactly is missing - Seller-09/13/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing for the following properties: (1) 3z the mortgage against that property and not included into the DTI. Upon receipt additional information maybe required and (2) mortgage information on property 3aa . - Due Diligence Vendor-09/10/2025 | Ready for Review-Please clear this defect or escalate to manager for review. TPR reviewed the initial finding per your comments "(received property profile for XXXX confirming free and clear and lot only)".... it appears there was an additional property being questioned for newly built XXXX / new construction XXXX. of which supporting docs have been provided verifying all title lien items removed, all accordingly and no mortgages were tied to XXXX. Please review item 12 "12. Will be removed from final policy and funds sent to the attorney handling the case". - Seller-10/14/2025 <br> Ready for Review-Document Uploaded. mortgage note also confirms bwr was not obligated - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. Lis pendens docs uploaded - it was against seller, not our bwr - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. Prelim confirming liens uploaded<br> - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. XXXX is not reflecting on borrower's REO as owned and property profile does not support ownership. Property profile also does not support an active mortgage. XXXX - final CD provided reflecting full PITIA - Seller-09/17/2025 <br> Ready for Review-Please specify the full addresses in question and what exactly is missing - Seller-09/13/2025 | Resolved-Proof provided the borrower was not on the Note for property 3AA. - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 6660<br>Months Reserves exceed minimum required - Reserves = 39 months – Required Reserves = 0 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5490185 |
| XXXX | XXXX | 304843222 C A | Closed | FCRE7009 | 2025-09-10 14:45 | 2025-09-16 18:14 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-This condition is resolved or not applicable. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Coverage checklist summary reuploaded - supports coverage is replacement cost. Please waive finding - Seller-09/13/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Missing sufficient Hazard Insurance Coverage for the subject Property. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Coverage checklist summary reuploaded - supports coverage is replacement cost. Please waive finding - Seller-09/13/2025<br>| Resolved-This condition is resolved or not applicable. - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 6660<br>Months Reserves exceed minimum required - Reserves = 39 months – Required Reserves = 0 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5489078 |
| XXXX | XXXX | 304843141 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304825216 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304825218 D A | Closed | FPRO1242 | 2025-09-10 21:12 | 2025-09-15 16:58 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Appraisal reuploaded. Please waive finding - Seller-09/11/2025 <br>Open-Appraisal is Missing Missing full appraisal report w/ 1007 rent schedule - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Appraisal reuploaded. Please waive finding - Seller-09/11/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-09/15/2025<br>| Months Reserves exceed minimum required - 10.91 months reserves; 3 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 770; guidelines require 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5494261 |
| XXXX | XXXX | 304825192 C B A | Closed | FCRE1194 | 2025-09-16 09:38 | 2025-09-23 16:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for 75% LTV >70% max, applied to non material finding with comp factors - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Ready for Review-That is the minimum required, 660 FICO is the minimum required, Credit Analyst noted FICO at 700. Please clear - Seller-09/20/2025 <br> Counter-660 Matrix for FN cash out. Maximum LTV is 75% - 5% reduction. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. the max LTV is 80% minus 5% Reduction = 75%, please clear. thank you - Seller-09/17/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025 <br>Ready for Review-That is the minimum required, 660 FICO is the minimum required, Credit Analyst noted FICO at 700. Please clear - Seller-09/20/2025 <br>Ready for Review-Document Uploaded. the max LTV is 80% minus 5% Reduction = 75%, please clear. thank you - Seller-09/17/2025<br>| Waived-Originator provided a waiver for 75% LTV >70% max, applied to non material finding with comp factors - Due Diligence Vendor-09/23/2025<br>| Months Reserves exceed minimum required - Borrower has 110 months of reserves.<br>Long term residence - Long Term Residence = 2+ years | Reserves 3+ months above minimum required<br> Long term residence verified. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5550319 |
| XXXX | XXXX | 304825192 C B A | Closed | FPRO0023 | 2025-09-16 13:18 | 2025-09-23 16:46 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Received desk review supporting value. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/22/2025 <br>Counter-Document was not attached. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/17/2025 <br>Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-12.52'. Additional secondary valuation required as AVM does not support (confidence score less that 90) Desk review required. Additional findings may apply - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/22/2025 <br>Ready for Review-Document Uploaded. - Seller-09/17/2025<br>| Resolved-Received desk review supporting value. - Due Diligence Vendor-09/23/2025<br>| Months Reserves exceed minimum required - Borrower has 110 months of reserves.<br>Long term residence - Long Term Residence = 2+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5556131 |
| XXXX | XXXX | 304875599 C A | Closed | FCRE1248 | 2025-09-16 16:44 | 2025-09-18 17:40 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-The 60 days of interest is because the payoff was dated XXXX and good throughXXXX, adding an additional 30 days. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Seller payoff demand was uploaded with initial submission and now reuploaded. The 60 days of interest is because the payoff is good through XXXX, and the next due payment was XXXX. Please waive finding. - Seller-09/17/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Proof of non-default on any existing mortgage(s) is required. Can be provided by one of the following: VOM, most recent mortgage statement, payoff demand not exceeding 1 months interest. However, the payoff p. 120 reflects 60 days of interest ($1,899.38/31.44). - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. Seller payoff demand was uploaded with initial submission and now reuploaded. The 60 days of interest is because the payoff is good through XXXX, and the next due payment was XXXX. Please waive finding. - Seller-09/17/2025 | Resolved-The 60 days of interest is because the payoff was dated XXXX and good through XXXX, adding an additional 30 days. - Due Diligence Vendor-09/18/2025 | Months Reserves exceed minimum required - Min reserves req'd 6 months-- Borrower has 7.63 months in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 640-- Borrower's FICO 672 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5560420 |
| XXXX | XXXX | 304875551 C B A | Closed | FCRE1492 | 2025-09-18 09:22 | 2025-09-22 16:37 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator provided a waiver cash out proceeds of XXXX>XXXX max, applied to non material finding with comp factors - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. - Seller-09/19/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Cash out exceeds XXXX. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Waived-Originator provided a waiver cash out proceeds of $1,220,000>$1,000,000 max, applied to non material finding with comp factors - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 769 which exceeds the minimum of 720<br>Months Reserves exceed minimum required - Verified assets of 121 months exceeds the minimum required of 3 months | FICO: at least 20 points above minimum for program<br> Reserves:: 122 months verified. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5583111 |
| XXXX | XXXX | 304843183 D A C | Closed | FPRO1145 | 2025-09-18 17:07 | 2025-11-03 14:54 | Resolved | 1 - Information D A | Property | Missing Doc | Completion Report (442/1004D) is Partially Provided (Primary Value) | Resolved-Received corrected 1004d. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/30/2025 <br> Counter-Finding is not for the effective date, it's for the inspection date. Finding remains. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-The appraiser has responded to the request and states "the 1004D was not a recertification of value. The effective date is only needed if the recertification of value is done". As such, please clear this finding accordingly. - Seller-10/29/2025 <br> Counter-Please provide complete 1004d including date of inspection completed. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-We agree that the inspection date for the 1004D is missing; however, the 1004D does show it is for the Appraisal with an effective date of XXXX, and the Appraiser signed it on XXXX which evidences that the inspection was completed after the original appraisal inspection date. Since the document confirms which appraisal the 1004D pertains to and the Appraiser signed it approximately 1 month later confirming the "Subject To" items had been remedied; it is our position the missing date does not pose any material affect on the underwriting decision.<br>Can this please be cleared?<br> - Seller-10/22/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is Partially Present Missing the Date of Inspection on the 1004D. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/30/2025 <br> Ready for Review-The appraiser has responded to the request and states "the 1004D was not a recertification of value. The effective date is only needed if the recertification of value is done". As such, please clear this finding accordingly. - Seller-10/29/2025 <br> Ready for Review-We agree that the inspection date for the 1004D is missing; however, the 1004D does show it is for the Appraisal with an effective date of XXXX, and the Appraiser signed it on XXXX which evidences that the inspection was completed after the original appraisal inspection date. Since the document confirms which appraisal the 1004D pertains to and the Appraiser signed it approximately 1 month later confirming the "Subject To" items had been remedied; it is our position the missing date does not pose any material affect on the underwriting decision.<br>Can this please be cleared?<br> - Seller-10/22/2025 | Resolved-Received corrected 1004d. - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - Required reserves 12 months- Borrower has 43.02 months in reserves.<br>Long term residence - Long Term Residence> 2+ years--- Borrower has been renting current home 22+ years. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5593089 |
| XXXX | XXXX | 304843183 D A C | Closed | FCRE1510 | 2025-09-18 18:47 | 2025-09-22 15:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/19/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/19/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/22/2025<br>| Months Reserves exceed minimum required - Required reserves 12 months- Borrower has 43.02 months in reserves.<br>Long term residence - Long Term Residence> 2+ years--- Borrower has been renting current home 22+ years. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5594093 |
| XXXX | XXXX | 304843244 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304866870 C A | Closed | FCRE1440 | 2025-09-22 14:52 | 2025-09-29 15:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received corrected final 1003 reflecting over 12 months at current residence. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Counter-Received credit supplement-noting NR/SMS is attached to XXXX--final 1003 shows borrower owning for only 1 month? Please clarify - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence that borrower is not personally liable for XXXX which is not reporting for prior primary residence, property record shows vested in an LLC. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received corrected final 1003 reflecting over 12 months at current residence. - Due Diligence Vendor-09/29/2025<br>| LTV is less than guideline maximum - qualifying LTV 70% max 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 708; minimum score 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5623462 |
| XXXX | XXXX | 304866875 C A | Closed | finding-47 | 2025-09-17 10:30 | 2025-09-24 10:16 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received XXXX with correct disbursement date. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Counter-Received a final Settlement statement from title company confirming the disbursement date is XXXX. However, we need an updated PCCD with correct disbursement date and fee amounts. Finding remains. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Please see attached final SS. The disbursement date should be XXXX. - Seller-09/19/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached final SS. The disbursement date should be XXXX. - Seller-09/19/2025 | Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-09/24/2025 | Months Reserves exceed minimum required - 21 months reserves. Guidelines require 2 months.<br>Qualifying DTI below maximum allowed - DTI 39.59%. Max DTI 50%.<br>LTV is less than guideline maximum - Loan closed at 66.67% LTV. Guidelines allowed up to 75%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5567676 |
| XXXX | XXXX | 304843157 D A | Closed | FCRE5116 | 2025-09-19 09:32 | 2025-10-27 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Satisfactory 12-month rental verification provided. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. Please see attached email from the Property Management Company. - Seller-10/24/2025 <br>Counter-Received Rental Verification Form-please note form does not provide verification of rents paid timely-finding remains. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025 <br>Open-Missing VOR for borrower's current residence. Document in file does not list payment history. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. Please see attached email from the Property Management Company. - Seller-10/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025<br>| Resolved-Satisfactory 12-month rental verification provided. - Due Diligence Vendor-10/27/2025<br>| Months Reserves exceed minimum required - Verified assets of 44.23 months exceeds the minimum required of 0 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 694 which exceeds the minimum of 600 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5598570 |
| XXXX | XXXX | 304856819 D A | Closed | FPRO1256 | 2025-09-22 20:44 | 2025-10-06 13:25 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received initialed pages of HOA. - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Please see - Seller-10/03/2025 <br>Ready for Review-Document Uploaded. Please see attached documents showing the changes initialed. Please note that the remainder of the Questionnaire would be the same. and would not require to be resubmitted. - Seller-10/03/2025 <br>Counter-HOA cert received has blue pen adds and changes with no initials-provide complete final HOA certification. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. The HOA condo cert question #6 states that the unit owners are in control of the HOA. We go by the Condo HOA Cert, NOT the appraisal. The appraisers do not have access to the same information as the HOA and use estimates. This should be waived - Seller-09/24/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Appraisal and Condition Questionnaire information to reflect the same with figures and provide the date that the Developer will transfer control of the HOA to the owners. - Due Diligence Vendor-09/23/2025 | Ready for Review-Please see - Seller-10/03/2025 <br>Ready for Review-Document Uploaded. Please see attached documents showing the changes initialed. Please note that the remainder of the Questionnaire would be the same. and would not require to be resubmitted. - Seller-10/03/2025 <br>Ready for Review-Document Uploaded. The HOA condo cert question #6 states that the unit owners are in control of the HOA. We go by the Condo HOA Cert, NOT the appraisal. The appraisers do not have access to the same information as the HOA and use estimates. This should be waived - Seller-09/24/2025<br>| Resolved-Received initialed pages of HOA. - Due Diligence Vendor-10/06/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR 1.00% & Min is .85% <br>Months Reserves exceed minimum required - Req'd reserves 0 mths- Borrower has 4.66 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5628560 |
| XXXX | XXXX | 304856819 D A | Closed | FCRE0179 | 2025-09-22 20:27 | 2025-09-25 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008 reflecting XXXX. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached PC 1008. - Seller-09/24/2025 <br> Open-UW Attestation/Docs stating warrantability are missing. Missing UW Attestation stating warrantability of the condo. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. Please see attached PC 1008. - Seller-09/24/2025<br>| Resolved-Received 1008 reflecting NWC. - Due Diligence Vendor-09/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR 1.00% & Min is .85% <br>Months Reserves exceed minimum required - Req'd reserves 0 mths- Borrower has 4.66 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5628494 |
| XXXX | XXXX | 304856819 D A | Closed | FCRE0045 | 2025-09-22 20:39 | 2025-09-25 16:09 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH-no additional documentation required on a refi. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-XXXX Foreign National Affidavit is only required on purchase transactions. Please clear this finding. - Seller-09/24/2025 <br> Open-Foreign National but the ACH form is Missing from file. Missing the executed & signed XXXX Foreign National Affidavit. - Due Diligence Vendor-09/23/2025 | Ready for Review-XXXX Foreign National Affidavit is only required on purchase transactions. Please clear this finding. - Seller-09/24/2025 | Resolved-Received ACH-no additional documentation required on a refi. - Due Diligence Vendor-09/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR 1.00% & Min is .85% <br>Months Reserves exceed minimum required - Req'd reserves 0 mths- Borrower has 4.66 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5628552 |
| XXXX | XXXX | 304856747 C B A | Closed | FCRE0179 | 2025-09-24 09:30 | 2025-09-29 16:04 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Upon further review, US attestation was located. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-The 1008 comments indicate this is a non warrantable condo. Please waive accordingly. Thank you. - Seller-09/26/2025 <br>Open-UW Attestation/Docs stating warrantability are missing. Per 1008 Condo is Non-Warrantable. Investor Concentration exceeds 50% and guidelines allow up to 100%. - Due Diligence Vendor-09/24/2025 | Ready for Review-The 1008 comments indicate this is a non warrantable condo. Please waive accordingly. Thank you. - Seller-09/26/2025<br>| Resolved-Upon further review, US attestation was located. - Due Diligence Vendor-09/29/2025<br>| LTV is less than guideline maximum - LTV 70% LTV. Allowed 75%<br>Credit history exceeds minimum required - 1. on time mortgage history exceeds minimum for program. Credit history exceeds minimum required. 12 mo: 0x0x0x0 // 24 mo: 0x0x0x0 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5650579 |
| XXXX | XXXX | 304856747 C B A | Closed | FCRE1197 | 2025-09-24 09:42 | 2025-09-25 10:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow fico less than 660, Non-material waiver applied with comp factors. non-material due to on time mortgage history. - Due Diligence Vendor-09/25/2025 <br>Open-Audited FICO of 621 is less than Guideline FICO of 640 - Due Diligence Vendor-09/24/2025 |  | Waived-Originator exception granted to allow fico less than 660, Non-material waiver applied with comp factors. non-material due to on time mortgage history. - Due Diligence Vendor-09/25/2025<br>| LTV is less than guideline maximum - LTV 70% LTV. Allowed 75%<br>Credit history exceeds minimum required - 1. on time mortgage history exceeds minimum for program. Credit history exceeds minimum required. 12 mo: 0x0x0x0 // 24 mo: 0x0x0x0 | 1. on time mortgage history exceeds minimum for program. Credit history exceeds minimum required. 12 mo: 0x0x0x0 // 24 mo: 0x0x0x0. 2. LTV 70% LTV. Allowed 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5650798 |
| XXXX | XXXX | 304856723 C B A | Closed | FCRE1194 | 2025-09-23 13:42 | 2025-09-24 08:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow 80% LTV, Non-material waiver applied with comp factors. non-material due to Residual income. - Due Diligence Vendor-09/24/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Exception in file, Audited LTV of 80% exceeds Guideline LTV of 75%. Lender comp factors are valid. - Due Diligence Vendor-09/23/2025 |  | Waived-Originator exception granted to allow 80% LTV, Non-material waiver applied with comp factors. non-material due to Residual income. - Due Diligence Vendor-09/24/2025<br>| Long term residence - Borrower in residence 20+ years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income | -Residual income greater than $3,500<br> - over 20+ years in primary residence<br> -8 years Self Employed.<br> -3 months reserves above the minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5638157 |
| XXXX | XXXX | 304825224 C B A | Closed | FCRE0140 | 2025-09-24 12:48 | 2025-09-26 12:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Please see attached exception request for XXXX Visa. - Seller-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/24/2025 <br> Open-1. Foreign National Documentation Requirements requires copy of a valid XXXX. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. Please see attached exception request for XXXX Visa. - Seller-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/24/2025 | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/26/2025<br>| Months Reserves exceed minimum required - Reserves 3 + months above minimum required. <br>Long term residence - 4+ years in primary residence. | 1. Reserves 3 + months above minimum required.<br> 2. 4+ years in primary residence. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5657573 |
| XXXX | XXXX | 304825224 C B A | Closed | FCRE1194 | 2025-09-24 14:05 | 2025-09-26 12:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. Please see attached exception request. - Seller-09/24/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Foreign National Max LTV on Purchase - 70% - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. Please see attached exception request. - Seller-09/24/2025<br>| Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/26/2025<br>| Months Reserves exceed minimum required - Reserves 3 + months above minimum required. <br>Long term residence - 4+ years in primary residence. | DSCR% greater than 1.20<br> Reserves 3+ months above minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5658918 |
| XXXX | XXXX | 304856732 D A B | Closed | FCRE1316 | 2025-09-24 14:08 | 2025-10-24 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received WVOE - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. VVOE uploaded - Seller-09/29/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide missing lender VVOE for B1 within 10 business days of Note. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. VVOE uploaded - Seller-09/29/2025<br>| Resolved-Received WVOE - Due Diligence Vendor-09/30/2025<br>| Long term residence - Borrowers have resided in previous primary residence for 13 years.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.23m. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5658965 |
| XXXX | XXXX | 304856732 D A B | Closed | FPRO0012 | 2025-09-24 15:29 | 2025-10-06 16:08 | Resolved | 1 - Information B A | Property | Property | FEMA disaster declared PUBLIC ONLY | Resolved-Updated appraisal received with comments on page 11 of 35. - Due Diligence Vendor-10/06/2025 <br> Counter-Received Appraisal. Review of appraisal did not disclose the required statements per Guideline 10.10 pg 55. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. Revised appraisal report uploaded - Seller-10/03/2025 <br> Counter-Guidelines state - Appraisals completed after disaster event must obtain the following: The appraiser must comment on the adverse event and certify that there has been no change in the valuation, Any existing damage noted in the original report must be repaired and re-inspected prior tofunding - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Commentary not needed as appraisal was several months post inspection. Please waive finding. - Seller-09/27/2025 <br> Open-XXXX (XXXX), Incident Period: XXXX Major Disaster Declaration declared on XXXX, PUBLIC ASSISTANCE, Appraisal completed XXXX post disaster, Provide appraiser commentary there has been no change in the valuation. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. Revised appraisal report uploaded - Seller-10/03/2025 <br>Ready for Review-Commentary not needed as appraisal was several months post inspection. Please waive finding. - Seller-09/27/2025<br>| Resolved-Updated appraisal received with comments on page 11 of 35. - Due Diligence Vendor-10/06/2025<br>| Long term residence - Borrowers have resided in previous primary residence for 13 years.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.23m. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5660649 |
| XXXX | XXXX | 304856674 C B A | Closed | FCRE7009 | 2025-09-26 13:24 | 2025-09-30 16:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-HOI and RCE received. Sufficient Coverage. - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. Please see attached HOI and RCE. Note HOI has extended replacement cost of 125%. - Seller-09/26/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. No additional HOI or RCE docs on file. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. Please see attached HOI and RCE. Note HOI has extended replacement cost of 125%. - Seller-09/26/2025<br>| Resolved-HOI and RCE received. Sufficient Coverage. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 736<br>Months Reserves exceed minimum required - 15 mths reserves; 9 mths required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5688580 |
| XXXX | XXXX | 304856674 C B A | Closed | finding-3652 | 2025-09-25 13:47 | 2025-09-30 07:27 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. see the system support that credit didnt increase. the credit was tied in part to the escrow fee as illustrated. - Seller-09/29/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,260.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,260.80). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from $1260.80 to $285.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $975.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. see the system support that credit didnt increase. the credit was tied in part to the escrow fee as illustrated. - Seller-09/29/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 736<br>Months Reserves exceed minimum required - 15 mths reserves; 9 mths required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5674403 |
| XXXX | XXXX | 304856674 C B A | Closed | FCOM1353 | 2025-09-25 15:54 | 2025-09-25 16:12 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/25/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 736<br>Months Reserves exceed minimum required - 15 mths reserves; 9 mths required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5676775 |
| XXXX | XXXX | 304856839 D A | Closed | FCRE6666 | 2025-09-30 10:08 | 2026-02-23 17:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-After further review, the BPO is a independent valuation product and does not need to be dated prior tot he appraisal. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Please clear this condition, the BPO is the secondary valuation. As the BPO and Appraisal are independently completed, the order of completion is irrelevant. - Seller-10/23/2025 <br> Counter-Waiver provided for expired BPO. Please provide the secondary valuation - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception Request form to allow use of BPO dated XXXX. Please clear this finding or escalate to management. - Seller-10/10/2025 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Updated BPO or 2nd appraisal required. BPO in file s dated after appraisal. - Due Diligence Vendor-09/30/2025 | Ready for Review-Please clear this condition, the BPO is the secondary valuation. As the BPO and Appraisal are independently completed, the order of completion is irrelevant. - Seller-10/23/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception Request form to allow use of BPO dated XXXX. Please clear this finding or escalate to management. - Seller-10/10/2025 | Resolved-After further review, the BPO is a independent valuation product and does not need to be dated prior tot he appraisal. - Due Diligence Vendor-10/23/2025<br>| LTV is less than guideline maximum - 53.48% LTV is below max of 70%<br>Months Reserves exceed minimum required - 6 months minimum reserves, borrower has 68.35 documented | DSCR ratio is greater than 1.2 ; LTV is 5% less than max | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5716740 |
| XXXX | XXXX | 304856839 D A | Closed | FCRE8702 | 2025-09-29 12:45 | 2025-10-29 14:49 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received EIN - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. Please see attached IRS EIN . - Seller-10/27/2025 <br>Counter-Received SOS Certificate. EIN is not typically included on certificate per online. Please provide IRS EIN verification. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. Please see attached Certificate of Amendment. The identification Number is the EIN Number. Please clear this finding. - Seller-10/10/2025 <br>Open-The Business Entity Formation Document is incomplete Missing EIN - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. Please see attached IRS EIN . - Seller-10/27/2025 <br>Ready for Review-Document Uploaded. Please see attached Certificate of Amendment. The identification Number is the EIN Number. Please clear this finding. - Seller-10/10/2025<br>| Resolved-Received EIN - Due Diligence Vendor-10/29/2025<br>| LTV is less than guideline maximum - 53.48% LTV is below max of 70%<br>Months Reserves exceed minimum required - 6 months minimum reserves, borrower has 68.35 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5704898 |
| XXXX | XXXX | 304856657 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304856653 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304856661 C B A | Closed | FCRE1198 | 2025-10-06 11:07 | 2025-10-09 09:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/06/2025 <br>Open-Audited Reserves of 4.68 month(s) are less than Guideline Required Reserves of 6 month(s) Missing funds to cover the required 6 months reserve requirement for the program. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/06/2025<br>| Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrowers FICO score 745<br>Additional verified income not used to qualify - Additional verified income not used to qualify--- Borrower 2 has OT & Bonus income that was not used in the qualification of the loan | FICO 20+ points above min<br> 0x30x24 housing history<br> 5 years on the Job | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5784011 |
| XXXX | XXXX | 304875409 C A | Closed | FCRE1480 | 2025-10-08 10:18 | 2025-10-14 15:13 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received revised 1003 removing asset 2 from consideration. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. XXXX 30 days bank statements not needed because it is not being used as a reserve and without it, the file still meets the 6 months reserve requirements. Updated 1008 and 1003 shows 14 months reserves. Please clear this finding. - Seller-10/10/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing a complete 30 days assets for XXXX XXXX - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. Please see attached. XXXX 30 days bank statements not needed because it is not being used as a reserve and without it, the file still meets the 6 months reserve requirements. Updated 1008 and 1003 shows 14 months reserves. Please clear this finding. - Seller-10/10/2025 | Resolved-Received revised 1003 removing asset 2 from consideration. - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - 0 mths reservs req'd- Borrower has 15.28 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640-- Borrower's FICO 668 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5819084 |
| XXXX | XXXX | 304875409 C A | Closed | FCRE1510 | 2025-10-08 08:05 | 2025-10-10 14:48 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Please see attached legal description. - Seller-10/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description to the Mortgage Deed Document (Deed of Trust). - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. Please see attached legal description. - Seller-10/08/2025<br>| Resolved-Received Legal. - Due Diligence Vendor-10/10/2025<br>| Months Reserves exceed minimum required - 0 mths reservs req'd- Borrower has 15.28 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640-- Borrower's FICO 668 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5817021 |
| XXXX | XXXX | 304875449 C A | Closed | FCRE1510 | 2025-10-07 14:44 | 2025-10-21 13:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/20/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description in mortgage chain - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/20/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/21/2025<br>| Verified employment history exceeds guidelines - PTIN letter verified borrower has been self-employed in same business since 2020.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 46.24% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5809446 |
| XXXX | XXXX | 304875566 C A | Closed | finding-3540 | 2025-10-08 11:08 | 2025-10-13 07:58 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received evidence of delivery of CD, finding resolved. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please note that the borrower gave e-consent for XXXX to provide disclosures electronically. It is XXXX responsibility to provide the documents in a Timely manner, which was completed by sending the CD on XXXX electronically. Additionally, the changes disclosed were requested by the borrower and would not have have any impact on the earliest signing date. Please clear this condition as XXXX delivered the CD to the borrower as required. Please see attached E-consent form. - Seller-10/10/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----please provide borrower's acknowledgement of CD issued XXXX & CD issued XXXX - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. Please note that the borrower gave e-consent for XXXX to provide disclosures electronically. It is XXXX responsibility to provide the documents in a Timely manner, which was completed by sending the CD on XXXX electronically. Additionally, the changes disclosed were requested by the borrower and would not have have any impact on the earliest signing date. Please clear this condition as XXXX delivered the CD to the borrower as required. Please see attached E-consent form. - Seller-10/10/2025 | Resolved-Received evidence of delivery of CD, finding resolved. - Due Diligence Vendor-10/13/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.22%<br>LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 38.64% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5820062 |
| XXXX | XXXX | 304875566 C A | Closed | finding-3652 | 2025-10-08 11:08 | 2025-10-13 07:58 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received documentation that borrower received CD's. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. please see disclosures tracking dates - Seller-10/09/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($12,450.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($13,950.00). 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). -----please provide borrower's acknowledgement of CD issued XXXX & CD issued XXXX - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. please see disclosures tracking dates - Seller-10/09/2025<br>| Resolved-----Received documentation that borrower received CD's. - Due Diligence Vendor-10/10/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.22%<br>LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 38.64% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5820063 |
| XXXX | XXXX | 304875566 C A | Closed | finding-3545 | 2025-10-10 08:17 | 2025-10-13 07:58 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Received evidence of delivery of CD, finding resolved. - Due Diligence Vendor-10/13/2025 <br>Open-----Received documentation that borrower received CD's - Due Diligence Vendor-10/10/2025 |  | Resolved-Received evidence of delivery of CD, finding resolved. - Due Diligence Vendor-10/13/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.22%<br>LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 38.64% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5850496 |
| XXXX | XXXX | 304875432 D A | Closed | FCRE1336 | 2025-10-09 16:24 | 2025-10-14 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Received revised 1008/1003 removing SSI income. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. B1 SS Award letter is not needed since updated 1008 and 1003 shows that SS income is not being used to qualify. The resulting DTI Is a low 39.46% which is below the FTHB Max DTI of 45%. Please clear this finding. - Seller-10/10/2025 <br> Open-Borrower 1 Award Letter Missing Award letter from the XXXX reflecting income used of XXXX or two prior years 1099-R. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. B1 SS Award letter is not needed since updated 1008 and 1003 shows that SS income is not being used to qualify. The resulting DTI Is a low 39.46% which is below the FTHB Max DTI of 45%. Please clear this finding. - Seller-10/10/2025<br>| Resolved-Received revised 1008/1003 removing SSI income. - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 784<br>Qualifying DTI below maximum allowed - Lender max DTI 45%, borrower DTI 35.45% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5843902 |
| XXXX | XXXX | 304856669 D A | Closed | FCRE1510 | 2025-10-10 16:15 | 2025-10-27 14:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. Please see attached DOT with Legal description. - Seller-10/23/2025 <br>Counter-Received screen shot of legal-please provide complete security instrument with legal attached within chain. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is missing from Deed of Trust. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Please see attached DOT with Legal description. - Seller-10/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-10/27/2025<br>| LTV is less than guideline maximum - Max LTV 70%- Borrowers LTV 58%<br>Months Reserves exceed minimum required - Min Reserves Req'd 3 mths-- Borrowers have 37.36 months in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5860997 |
| XXXX | XXXX | 304856669 D A | Closed | FCRE1325 | 2025-10-13 16:20 | 2025-10-16 14:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review, the loan file contained all required income documentation. Verification of Self employment must be dated within 60 days of Note date. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-5.1.26 Verification for Self-employed Borrowers - In addition to verifying income, Underwriter must verify the current existence of the business within 60 days of the note date. Acceptable methods of business verification include CPA verification. CPA Letter provided in the file is dated 8-22-25 while the Closing date is XXXX. This is within the 60 days of the note date. There is no guide showing that it should be within 30 days of the note date. Please clear this finding. - Seller-10/14/2025 <br> Open-Borrower 1 CPA Letter Missing Missing updated Tax Preparer Letter dated within 30 days of the Note date. - Due Diligence Vendor-10/13/2025 | Ready for Review-XXXX Verification for Self-employed Borrowers - In addition to verifying income, Underwriter must verify the current existence of the business within 60 days of the note date. Acceptable methods of business verification include CPA verification. CPA Letter provided in the file is dated XXXX while the Closing date is XXXX. This is within the 60 days of the note date. There is no guide showing that it should be within 30 days of the note date. Please clear this finding. - Seller-10/14/2025 | Resolved-Upon further review, the loan file contained all required income documentation. Verification of Self employment must be dated within 60 days of Note date. - Due Diligence Vendor-10/16/2025<br>| LTV is less than guideline maximum - Max LTV 70%- Borrowers LTV 58%<br>Months Reserves exceed minimum required - Min Reserves Req'd 3 mths-- Borrowers have 37.36 months in reserves |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5877848 |
| XXXX | XXXX | 304840580 D A C | Closed | FCRE1510 | 2025-10-07 07:57 | 2025-10-09 11:58 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. Deed with legal attached - Seller-10/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Deed with legal attached - Seller-10/08/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/09/2025<br>| Qualifying DTI below maximum allowed - DTI 14.81%. Max DTI allowed is 50%.<br>Months Reserves exceed minimum required - 6 months reserves required - borrower has 60.01 months reserves |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5799637 |
| XXXX | XXXX | 304840580 D A C | Closed | FCOM1262 | 2025-10-07 08:13 | 2025-10-09 09:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved------Received copy of executed ROR. Finding Resolved. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. uploaded Right of Rescission - Seller-10/08/2025 <br>Open-Right of Rescission is Missing -----Provide the executed Right of Recission. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. uploaded Right of Rescission - Seller-10/08/2025<br>| Resolved------Received copy of executed ROR. Finding Resolved. - Due Diligence Vendor-10/09/2025<br>| Qualifying DTI below maximum allowed - DTI 14.81%. Max DTI allowed is 50%.<br>Months Reserves exceed minimum required - 6 months reserves required - borrower has 60.01 months reserves |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5799886 |
| XXXX | XXXX | 304875513 C A | Closed | FVAL6832 | 2025-10-10 10:17 | 2025-10-10 20:06 | Resolved | 1 - Information C A | Property | Property | Subject Is Greater Than 4 Units | Resolved-6 Unit Multi Family in XXXX in XXXX is allowed. - Due Diligence Vendor-10/11/2025 <br> Open-Exception in the loan file for 6 Unit Multi Family in XXXX. - Due Diligence Vendor-10/10/2025 |  | Resolved-6 Unit Multi Family in NY in NY is allowed. - Due Diligence Vendor-10/11/2025<br>| Months Reserves exceed minimum required - The Borrower has reserves in the amount of 9.26; guideline minimum is 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score 764; guideline minimum is 720. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5852074 |
| XXXX | XXXX | 304856680 D A | Closed | FCRE8887 | 2025-10-13 17:01 | 2025-10-15 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected 1003 and 1008 including investment PITIA. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. Attached please find a revised 1003 and 1008 including XXXX. along with it's PITIA included into the DTI. - Seller-10/14/2025 <br> Open-Missing on the initial/final 1003 the property XXXX. and it's PITIA was not included into the DTI. Upon receipt additional conditions may apply. - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Attached please find a revised 1003 and 1008 including XXXX. along with it's PITIA included into the DTI. - Seller-10/14/2025 | Resolved-Received corrected 1003 and 1008 including investment PITIA. - Due Diligence Vendor-10/15/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 3 mths--- Borrower has 34.99 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 733 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5878646 |
| XXXX | XXXX | 304875573 C B A | Closed | FCRE1197 | 2025-10-13 10:25 | 2025-10-15 15:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator provided a waiver for FICO , applied to non material finding with comp factors - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Please see attached exception used for loan approval - Seller-10/14/2025 <br>Open-Audited FICO of 654 is less than Guideline FICO of 660 Fico does not meet minimum guideline for Fico of 660 - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Please see attached exception used for loan approval - Seller-10/14/2025<br>| Waived-Originator provided a waiver for FICO , applied to non material finding with comp factors - Due Diligence Vendor-10/15/2025<br>| Months Reserves exceed minimum required - Minimum Reserves 6 months PITIA - actual is 14.64 months<br>LTV is less than guideline maximum - maximum allowed is 80% LTV - actual is 75% | DSCR > 1.2; 0x30x24 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5871257 |
| XXXX | XXXX | 304875573 C B A | Closed | FCRE1194 | 2025-10-13 19:06 | 2025-10-15 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received Exception for FICO that resulted in LTV resolution without an Exception. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Please see attached exception used for loan approval - Seller-10/14/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% - Due Diligence Vendor-10/13/2025 | Ready for Review-Please see attached exception used for loan approval - Seller-10/14/2025<br>| Resolved-Received Exception for FICO that resulted in LTV resolution without an Exception. - Due Diligence Vendor-10/15/2025<br>| Months Reserves exceed minimum required - Minimum Reserves 6 months PITIA - actual is 14.64 months<br>LTV is less than guideline maximum - maximum allowed is 80% LTV - actual is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5880748 |
| XXXX | XXXX | 304875339 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304875481 C A | Closed | FCRE1510 | 2025-10-09 14:45 | 2025-10-15 14:42 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal Description missing from DOT. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/15/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 38.16%<br>LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 50.5% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5842069 |
| XXXX | XXXX | 304875618 C A | Closed | FCRE1510 | 2025-10-11 15:08 | 2025-10-15 14:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. - Seller-10/14/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description "Exhibit A". - Due Diligence Vendor-10/11/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/15/2025<br>| Credit history exceeds minimum required - 12+ years credit history<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 711 and minimum score allowed is 660. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5865439 |
| XXXX | XXXX | 304875543 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875495 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875544 D A | Closed | FCRE1152 | 2025-10-13 16:05 | 2025-11-12 07:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present. County XXXX estimate tax summary report in file showing increase in assessed value which supports higher tax amount used at closing - Due Diligence Vendor-11/12/2025 <br> Ready for Review-We do not agree that this is a finding or an an issue since the final investor will address it at the servicing level. Also, this is a DSCR No ratio wherein DSCR less than 0.8 is the guide. Audited DSCR is .744. No issues found. Please clear this finding. - Seller-11/10/2025 <br> Counter-Review is unable to determine re taxes considered-previous tax cert reflects Homestead exemptions. Provide re tax calculation considered for CD and qualifying. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-This is a DSCR loan. Borrower is qualified based on the monthly PITIA and the monthly market rent thus it is immaterial if a higher tax amount was used and not the lower tax rate because what matters most is that it meets the required DSCR ratio to qualify. As mentioned, since the UW used, a higher tax rate instead of the actual tax rate of $733.52, the resulting ratio will come out lower instead of a higher ratio when using the actual tax rate. Please clear this finding. - Seller-10/17/2025 <br> Counter-No document uploaded. Unable to determine if amount listed on title includes exemptions or rate. Subject transaction investment. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Underwriter used a more conservative amount for the tax since this is a purchase transaction for an investment property - DSCR. Please clear this finding. - Seller-10/15/2025 <br> Open-Missing Evidence of Property Tax Tax used by lender in the amount of $787.50 not supported by tax docs in file. Tax in file is $8802.35 or $733.52 per mo. - Due Diligence Vendor-10/13/2025 | Ready for Review-We do not agree that this is a finding or an an issue since the final investor will address it at the servicing level. Also, this is a DSCR No ratio wherein DSCR less than 0.8 is the guide. Audited DSCR is .744. No issues found. Please clear this finding. - Seller-11/10/2025 <br>Ready for Review-This is a DSCR loan. Borrower is qualified based on the monthly PITIA and the monthly market rent thus it is immaterial if a higher tax amount was used and not the lower tax rate because what matters most is that it meets the required DSCR ratio to qualify. As mentioned, since the UW used, a higher tax rate instead of the actual tax rate of $733.52, the resulting ratio will come out lower instead of a higher ratio when using the actual tax rate. Please clear this finding. - Seller-10/17/2025 <br>Ready for Review-Underwriter used a more conservative amount for the tax since this is a purchase transaction for an investment property - DSCR. Please clear this finding. - Seller-10/15/2025<br>| Resolved-Evidence of Property Tax is present. County XXXX estimate tax summary report in file showing increase in assessed value which supports higher tax amount used at closing - Due Diligence Vendor-11/12/2025 | Months Reserves exceed minimum required - 5.35 months reserves; 0 months reserves required.<br>LTV is less than guideline maximum - 69% LTV; max 70% LTV required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5877611 |
| XXXX | XXXX | 304875544 D A | Closed | FCRE3091 | 2025-10-13 16:13 | 2025-10-20 13:15 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received updated master HOI policy. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Attached Updated Master Insurance Policy. - Seller-10/17/2025 <br> Open-Master Policy Expiration Date of XXXX is Prior To the Transaction Date of XXXX - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Attached Updated Master Insurance Policy. - Seller-10/17/2025<br>| Resolved-Received updated master HOI policy. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 5.35 months reserves; 0 months reserves required.<br>LTV is less than guideline maximum - 69% LTV; max 70% LTV required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5877746 |
| XXXX | XXXX | 304875544 D A | Closed | FCRE1206 | 2025-10-13 16:33 | 2025-10-17 12:14 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete fraud report. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. Attached Final DV Report. - Seller-10/15/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Attached Final DV Report. - Seller-10/15/2025<br>| Resolved-Received complete fraud report. - Due Diligence Vendor-10/17/2025<br>| Months Reserves exceed minimum required - 5.35 months reserves; 0 months reserves required.<br>LTV is less than guideline maximum - 69% LTV; max 70% LTV required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5878292 |
| XXXX | XXXX | 304875544 D A | Closed | FCRE1205 | 2025-10-13 16:33 | 2025-10-17 12:14 | Resolved | 1 - Information C A | Credit | Eligibility | XXXX Check Not Completed and/or Cleared | Resolved-XXXX Check Completed and Cleared - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Attached Final DV report. - Seller-10/15/2025 <br> Open-XXXX Check Not Completed and/or Cleared - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Attached Final DV report. - Seller-10/15/2025<br>| Resolved-XXXX Check Completed and Cleared - Due Diligence Vendor-10/17/2025 | Months Reserves exceed minimum required - 5.35 months reserves; 0 months reserves required.<br>LTV is less than guideline maximum - 69% LTV; max 70% LTV required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5878293 |
| XXXX | XXXX | 304875544 D A | Closed | FCRE1201 | 2025-10-13 16:33 | 2025-10-17 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete fraud report. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. Attached Final DV report. - Seller-10/15/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Attached Final DV report. - Seller-10/15/2025<br>| Resolved-Received complete fraud report. - Due Diligence Vendor-10/17/2025<br>| Months Reserves exceed minimum required - 5.35 months reserves; 0 months reserves required.<br>LTV is less than guideline maximum - 69% LTV; max 70% LTV required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5878294 |
| XXXX | XXXX | 304875544 D A | Closed | FCRE0105 | 2025-10-13 17:01 | 2025-10-16 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Upon further review, the loan file contained all required documentation. Inspection not required. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. Please see attached HOA response for structural inspection. - Seller-10/15/2025 <br>Open-The file does not contain the required structural engineer report per state law. Not found in file - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Please see attached HOA response for structural inspection. - Seller-10/15/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. Inspection not required. - Due Diligence Vendor-10/16/2025<br>| Months Reserves exceed minimum required - 5.35 months reserves; 0 months reserves required.<br>LTV is less than guideline maximum - 69% LTV; max 70% LTV required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5878643 |
| XXXX | XXXX | 304875544 D A | Closed | FCRE1491 | 2025-10-13 16:50 | 2025-10-14 17:19 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/14/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements For foreign accounts provided. Document the current exchange rate via either www.xe.com or the Wall Street Journal conversion table, provide verification funds to close transferred to Escrow / Closing Agent at least three (3) days prior to any closing date. Depending on assets used a copy of the two (2) most recent statements are required. - Due Diligence Vendor-10/13/2025 |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - 5.35 months reserves; 0 months reserves required.<br>LTV is less than guideline maximum - 69% LTV; max 70% LTV required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5878514 |
| XXXX | XXXX | 304875544 D A | Closed | FCRE9501 | 2025-10-13 16:50 | 2025-10-14 17:19 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-10/14/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Foreign accounts not documented, not clear of source for additional documents - Due Diligence Vendor-10/13/2025 |  | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - 5.35 months reserves; 0 months reserves required.<br>LTV is less than guideline maximum - 69% LTV; max 70% LTV required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5878515 |
| XXXX | XXXX | 304875526 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875538 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304875507 D A | Closed | FCOM1227 | 2025-10-14 13:09 | 2026-01-27 18:25 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Mortgage provided with PUD rider. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. Please see attached Mortgage deed of trust with PUD RIDER and legal. Please expedite this to be cleared as soon as possible - Seller-01/27/2026 <br>Open-PUD Rider is Missing Subject located in a PUD; Mortgage is missing PUD Rider - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please see attached Mortgage deed of trust with PUD RIDER and legal. Please expedite this to be cleared as soon as possible - Seller-01/27/2026<br>| Resolved-Mortgage provided with PUD rider. - Due Diligence Vendor-01/27/2026<br>| Months Reserves exceed minimum required - Min reserves 6 mths- Borrower has 93.89 mths in reserves<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 36% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5889743 |
| XXXX | XXXX | 304875507 D A | Closed | FCRE1440 | 2025-10-14 12:45 | 2025-11-06 16:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received missing REO documentation. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Please clear, per your comments "Received missing REO documentation." - Seller-11/04/2025 <br>Counter-Received missing REO documentation. - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/16/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing complete PITIA for the following properties: 3c (missing taxes), 3g (missing proof of HOA), 3h (missing Mortgage Statement), 3j (missing complete PITIA), 3k (missing Mortgage Statement), 3n (missing Mortgage Statement). Audit defaulted to lender's figures for missing documentation. Additional conditions may apply. - Due Diligence Vendor-10/14/2025 | Ready for Review-Please clear, per your comments "Received missing REO documentation." - Seller-11/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/16/2025<br>| Resolved-Received missing REO documentation. - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - Min reserves 6 mths- Borrower has 93.89 mths in reserves<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 36% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5889375 |
| XXXX | XXXX | 304875507 D A | Closed | FCRE1181 | 2025-10-14 11:54 | 2025-10-17 12:44 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Upon further review, Notice was located in the loan file. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Disagree, please see disclosure tracking reflects documentation "Notice of Special Flood Hazard Disclosure" was provided and esigned on XXXX. - Seller-10/16/2025 <br> Open-Subject Property is in Flood Zone A but Notice of Special Flood Hazard Disclosure was not provided Missing signed and dated Notice of Special Flood Hazard Disclosure. - Due Diligence Vendor-10/14/2025 | Ready for Review-Disagree, please see disclosure tracking reflects documentation "Notice of Special XXXX Hazard Disclosure" was provided and esigned on XXXX. - Seller-10/16/2025 | Resolved-Upon further review, Notice was located in the loan file. - Due Diligence Vendor-10/17/2025<br>| Months Reserves exceed minimum required - Min reserves 6 mths- Borrower has 93.89 mths in reserves<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 36% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5888100 |
| XXXX | XXXX | 304875496 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875408 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875468 C A | Closed | FCRE1510 | 2025-10-13 16:46 | 2025-10-16 13:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/15/2025<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-10/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640, borrowers mid score is 746<br>LTV is less than guideline maximum - Max LTV is 65%, borrowers LTV is 34.02% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5878462 |
| XXXX | XXXX | 304875535 C B A | Closed | FCRE1198 | 2025-10-15 09:36 | 2025-10-17 09:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with compensating factors. 6 months of reserves required, 5.89 months verified. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. Attached Exception request form. - Seller-10/15/2025 <br>Open-Audited Reserves of 5.89 month(s) are less than Guideline Required Reserves of 6 month(s) - Provide sufficient assets to meet reserve requirement and/or provide lender exception approval to 6m reserves requirement as noted on Lender 1008. - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. Attached Exception request form. - Seller-10/15/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. 6 months of reserves required, 5.89 months verified. - Due Diligence Vendor-10/17/2025<br>| Qualifying DTI below maximum allowed - Lender maximum DTI 50%, borrower DTI 37.57%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 750. | Qualifying DTI 5% below maximum allowed<br> Qualifying FICO score is at least 20 points above minimum for program<br> 24+ month credit history exceeds minimum required | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5899680 |
| XXXX | XXXX | 304875535 C B A | Closed | FCRE1344 | 2025-10-15 09:44 | 2025-10-17 09:05 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Waived-Originator waiver applied to non material finding with compensating factors. Excluding the XXXX bank statement and using XXXX as income. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-We agree the XXXX statement is missing; however, if we account April as having XXXX in available deposits, the income for this account decreases to XXXX/mth and DTI increases to only 38.315%. Can this please be cleared since the missing statement has no material affect in the income or the underwriting decision? - Seller-10/16/2025 <br> Open-Provide missing XXXX XXXX bank statement for checking account #2 as listed on 1003. - Due Diligence Vendor-10/15/2025 | Ready for Review-We agree the XXXX statement is missing; however, if we account XXXX as having $0.00 in available deposits, the income for this account decreases to $2,553.16/mth and DTI increases to only 38.315%. Can this please be cleared since the missing statement has no material affect in the income or the underwriting decision? - Seller-10/16/2025 | Waived-Originator waiver applied to non material finding with compensating factors. Excluding the April bank statement and using $0 as income. - Due Diligence Vendor-10/17/2025<br>| Qualifying DTI below maximum allowed - Lender maximum DTI 50%, borrower DTI 37.57%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 750. | Qualifying DTI 5% below maximum allowed<br> Qualifying FICO score is at least 20 points above minimum for program<br> 24+ month credit history exceeds minimum required | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5899794 |
| XXXX | XXXX | 304875509 C A | Closed | FCRE1510 | 2025-10-14 16:03 | 2025-10-17 12:17 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Page 13 of the DOT is missing. Notary is missing from the DOT. Legal description addendum is missing from the DOT. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/15/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680-- Borrower's FICO 728<br>Qualifying DTI below maximum allowed - Max DTI allowed 50%--- Borrower's DTI 11.99% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5892837 |
| XXXX | XXXX | 304875447 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304875562 C B A | Closed | finding-3635 | 2025-10-15 18:13 | 2025-11-06 09:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Please escalate this for manager review, Recording fees are not subject to change of circumstances requirements. The recording fees can increase without any tolerance limits being applied. This is because recording fees are considered to be part of the standard costs associated with the mortgage transaction and do not require a change of circumstances to be validly increased. - Seller-11/05/2025 <br> Counter-Received final CD XXXX which is in file. The Recording fees increased from $424 to $515 on the Final CD without a valid COC. Finding reamins. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/16/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($515.00) exceed the comparable charges ($424.00) 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). ------Ten (10%) tolerance fees (Recording Fee) increased by $91 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $48.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date XXXX . <br> - Due Diligence Vendor-10/15/2025 | Ready for Review-Please escalate this for manager review, Recording fees are not subject to change of circumstances requirements. The recording fees can increase without any tolerance limits being applied. This is because recording fees are considered to be part of the standard costs associated with the mortgage transaction and do not require a change of circumstances to be validly increased. - Seller-11/05/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/16/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/06/2025<br>| LTV is less than guideline maximum - Lender max LTV 65%, subject LTV 51.28% LTV <br>Qualifying DTI below maximum allowed - Lender max DTI 50.49%, borrower DTI 41.82% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5910124 |
| XXXX | XXXX | 304875562 C B A | Closed | FCRE1199 | 2025-10-16 12:07 | 2025-10-20 14:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/16/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX - Provide Lender exception for loan amount of XXXX, guideline maximum is XXXX. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/16/2025<br>| Waived-Originator provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-10/20/2025<br>| LTV is less than guideline maximum - Lender max LTV 65%, subject LTV 51.28% LTV <br>Qualifying DTI below maximum allowed - Lender max DTI 50.49%, borrower DTI 41.82% | 4+ years in primary residence<br> 5+ years verified employment history exceeds guidelines | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 5918003 |
| XXXX | XXXX | 304875428 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875528 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304875425 C A | Closed | finding-3540 | 2025-10-16 09:57 | 2025-10-21 13:51 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no further documentation is needed or required. Waiting period was not required. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. Please see attached evidence borrower received and viewed the PCCD on 10-13-2025 at 1:48pm. - Seller-10/17/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Revised CD XXXX is not signed by the borrower, the XXXX date of receipts would be XXXX which is after the closing date. Please provide proof that borrower received the CD with the closing cost amount of XXXX. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. Please see attached evidence borrower received and viewed the PCCD on XXXX at 1:48pm. - Seller-10/17/2025 | Resolved-Upon further review, no further documentation is needed or required. Waiting period was not required. - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 705<br>LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 24.78% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5915199 |
| XXXX | XXXX | 304875386 D A | Closed | FCRE1145 | 2025-10-17 08:15 | 2025-10-21 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received preliminary title and supplement. - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/20/2025 <br>Open-Title Document is missing Provide missing title commitment - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/20/2025<br>| Resolved-Received preliminary title and supplement. - Due Diligence Vendor-10/21/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 41.03%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 742 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5928360 |
| XXXX | XXXX | 304875532 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875556 D A | Closed | FCRE7551 | 2025-10-21 13:23 | 2025-11-07 09:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Received final title confirming judgment removed-does not belong to Non borrower. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. Please see attached Final Title Policy. - Seller-11/05/2025 <br>Counter-Provide confirmation #8 of schedule B has been removed as reporting in error or provide the Child Support and Divorce Decree for review. Additional findings may apply. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-We respectfully disagree with the request. First, as noted title has confirmed the item is being removed, and second, the debtor is not a borrower to the subject transaction, and only on the vesting. - Seller-10/21/2025 <br>Open-\*New\* Title documents provided reflects a Judgment for child, Family or Spousal support. Title has confirmed this Item will not appear in the future policy, however we are missing the Divorce Decree for review. Additional findings may apply. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached Final Title Policy. - Seller-11/05/2025 <br>Ready for Review-We respectfully disagree with the request. First, as noted title has confirmed the item is being removed, and second, the debtor is not a borrower to the subject transaction, and only on the vesting. - Seller-10/21/2025<br>| Resolved-Received final title confirming judgment removed-does not belong to Non borrower. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 762<br>Qualifying DTI below maximum allowed - 37.77% DTI below max allowed of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5960977 |
| XXXX | XXXX | 304875556 D A | Closed | FCRE1145 | 2025-10-17 09:14 | 2025-11-07 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Title Document - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/17/2025 <br>Open-Title Document is missing - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/17/2025<br>| Resolved-Received Title Document - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 762<br>Qualifying DTI below maximum allowed - 37.77% DTI below max allowed of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5929042 |
| XXXX | XXXX | 304875556 D A | Closed | FCRE1151 | 2025-10-17 13:47 | 2025-11-07 09:03 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received title document - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/17/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/17/2025<br>| Resolved-Received title document - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 762<br>Qualifying DTI below maximum allowed - 37.77% DTI below max allowed of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5934175 |
| XXXX | XXXX | 304875501 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875493 D A | Closed | FCRE1510 | 2025-10-16 20:03 | 2025-10-24 14:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description is missing - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/22/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/24/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49%, borrowers DTI is 45.34%<br>Months Reserves exceed minimum required - 6 months reserves required, borrower has 6.01 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5925272 |
| XXXX | XXXX | 304875493 D A | Closed | FCRE1316 | 2025-10-17 12:45 | 2025-10-22 14:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 444-448 and attached herein. - Seller-10/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing for both businesses - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 444-448 and attached herein. - Seller-10/21/2025<br>| Resolved-Received VVOE - Due Diligence Vendor-10/22/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49%, borrowers DTI is 45.34%<br>Months Reserves exceed minimum required - 6 months reserves required, borrower has 6.01 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5933232 |
| XXXX | XXXX | 304875605 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875381 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875524 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875558 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875465 D A | Closed | FCOM1220 | 2025-10-17 15:12 | 2025-10-22 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received security instrument. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025 <br>Open-The Deed of Trust is Missing Validated - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025<br>| Resolved-Received security instrument. - Due Diligence Vendor-10/22/2025<br>| Months Reserves exceed minimum required - Reserves are 43 mo's vs min required of 2 mo's. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.14 vs min allowed to 0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5935672 |
| XXXX | XXXX | 304875337 D A | Closed | FCRE1193 | 2025-10-18 14:29 | 2026-01-22 14:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Reviewed the short term rental analysis provided, calculated DTI is within tolerances. - Due Diligence Vendor-01/22/2026 <br> Counter-The guidelines state that the use of form 1007 is based on short-term rental properties which may be allowed when the property is in an established short-term/vacation market on a case-by-case basis. This is a Short-Term Rental Feasibility Report and not a 1007 and an exception to utilize this report was not provided. Additionally, the Short-Term Rental Feasibility Report reflects the property is required to have a permit. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached Short-Term Rental Valuation Comparison Form for subject investment with rents used to qualify, supported by Appraiser report of 1007-STR & XXXX analysis report docs. Also, see attached 1008 and 1003 reflects same rents with now 47.496 % ratio - Seller-01/20/2026 <br> Counter-Review concurs-PITIA updated for REo 126 Bird-revised DTI ratios 56.75% >50.00% allowed - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Disagree, lender notes XXXX is double hitting the taxes and Insurance on REO XXXX - Seller-11/14/2025 <br> Open-Audited DTI of 58.28% exceeds Guideline DTI of 50% DTI with all properties included - Due Diligence Vendor-10/18/2025 | Ready for Review-Document Uploaded. Please see attached Short-Term Rental Valuation Comparison Form for subject investment with rents used to qualify, supported by Appraiser report of 1007-STR & XXXX analysis report docs. Also, see attached 1008 and 1003 reflects same rents with now 47.496 % ratio - Seller-01/20/2026 <br> Ready for Review-Document Uploaded. Disagree, lender notes XXXX is double hitting the taxes and Insurance on REO XXXX - Seller-11/14/2025 | Resolved-Reviewed the short term rental analysis provided, calculated DTI is within tolerances. - Due Diligence Vendor-01/22/2026<br>| Months Reserves exceed minimum required - Reserves are 117 mo's vs program min required of 6 mo's. <br>LTV is less than guideline maximum - LTV is 65% vs program max allowed to 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5940441 |
| XXXX | XXXX | 304875337 D A | Closed | FCRE1201 | 2025-10-18 13:41 | 2025-11-14 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/13/2025 <br>Open-Missing Third Party Fraud Report Missing fraud report - Due Diligence Vendor-10/18/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/13/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Reserves are 117 mo's vs program min required of 6 mo's. <br>LTV is less than guideline maximum - LTV is 65% vs program max allowed to 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5940345 |
| XXXX | XXXX | 304875337 D A | Closed | FCRE1441 | 2025-10-18 13:53 | 2025-11-14 15:59 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-65% is is allowable with 0x90x12. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-So on the screen shot provided, when the borrower has 1x30 & 1x60 then the max CLTV = 65% is per 0x90x12. which is what we qualified the borrower on. Please clear, Thank you - Seller-11/05/2025 <br> Counter-Received Matrix. Matrix provided also indicate 0x60. Primary mortgage has a 1x60. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Loan is not a XXXX product, Please note the loan closed with Cup XXXX - Alt / Full NOO - 30 Yr Fixed w/5 Yr I/O - Seller-10/23/2025 <br> Counter-Received Matrix. Loan submitted with XXXX that reflect 0x30. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Disagree, Please see XXXX XXXX matrix - Seller-10/20/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Primary mortgage has 1x30, 1x60 - Due Diligence Vendor-10/18/2025 | Ready for Review-So on the screen shot provided, when the borrower has 1x30 & 1x60 then the max CLTV = 65% is per 0x90x12. which is what we qualified the borrower on. Please clear, Thank you - Seller-11/05/2025 <br> Ready for Review-Loan is not a XXXX product, Please note the loan closed with XXXX - Alt / Full NOO - 30 Yr Fixed w/5 Yr I/O - Seller-10/23/2025 <br> Ready for Review-Document Uploaded. Disagree, Please see XXXX matrix - Seller-10/20/2025 | Resolved-65% is is allowable with 0x90x12. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - Reserves are 117 mo's vs program min required of 6 mo's. <br>LTV is less than guideline maximum - LTV is 65% vs program max allowed to 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5940368 |
| XXXX | XXXX | 304875337 D A | Closed | FCRE1440 | 2025-10-18 13:53 | 2025-11-14 15:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved- 0x90x12 is allowable per GL - Due Diligence Vendor-11/07/2025 <br> Ready for Review-So on the screen shot provided, when the borrower has 1x30 & 1x60 then the max CLTV = 65% per 0x90x12. which is what we qualified the borrower on. Please clear, Thank you - Seller-11/05/2025 <br> Counter-Received Matrix. Matrix provided also indicate 0x60. Primary mortgage has a 1x60. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Loan is not a XXXX product, Please note the loan closed with XXXX - Alt / Full NOO - 30 Yr Fixed w/5 Yr I/O<br> - Seller-10/23/2025 <br> Counter-Received Matrix. Loan submitted with XXXX Matrices XXXX that reflect 0x30. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. please clear - Seller-10/20/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Primary mortgage has 1x30, 1x60 - Due Diligence Vendor-10/18/2025 | Ready for Review-So on the screen shot provided, when the borrower has 1x30 & 1x60 then the max CLTV = 65% per 0x90x12. which is what we qualified the borrower on. Please clear, Thank you - Seller-11/05/2025 <br> Ready for Review-Loan is not a XXXX product, Please note the loan closed with XXXX - Alt / Full NOO - 30 Yr Fixed w/5 Yr I/O<br> - Seller-10/23/2025 <br> Ready for Review-Document Uploaded. please clear - Seller-10/20/2025 | Resolved- 0x90x12 is allowable per GL - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - Reserves are 117 mo's vs program min required of 6 mo's. <br>LTV is less than guideline maximum - LTV is 65% vs program max allowed to 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5940369 |
| XXXX | XXXX | 304875337 D A | Closed | FCRE5782 | 2025-10-18 13:53 | 2025-11-14 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Drive report with no alerts. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Please see attached DV which shows UDM last ran on XXXX - Seller-11/13/2025 <br> Open-Borrower 1 Gap Credit Report is Missing No gap report provided - Due Diligence Vendor-10/18/2025 | Ready for Review-Document Uploaded. Please see attached DV which shows UDM last ran on 10/14 - Seller-11/13/2025<br>| Resolved-Received Drive report with no alerts. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Reserves are 117 mo's vs program min required of 6 mo's. <br>LTV is less than guideline maximum - LTV is 65% vs program max allowed to 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5940370 |
| XXXX | XXXX | 304875500 D A | Closed | FCRE1440 | 2025-10-21 08:34 | 2025-10-22 14:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 mos statements for XXXX. 3c-received CD for purchase. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements VOM for the subject and property 3b were on pages 202, 167, 176-200. No verification of the mortgage history for 3c was identified in the file. It appears this property was just purchased but there is no verification of this in the file. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025<br>| Resolved-Received 12 mos statements for Fay Servicing XXXX. 3c-received CD for purchase. - Due Diligence Vendor-10/22/2025 | Qualifying DTI below maximum allowed - 50% allowed, subject 31.04% <br>Months Reserves exceed minimum required - 6 months required, subject 8.29 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5955743 |
| XXXX | XXXX | 304875500 D A | Closed | FCRE7497 | 2025-10-21 08:36 | 2025-10-22 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CDs and previous mtg statement for XXXX. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025 <br> Open-No verification of the PITIA payments for properties 3b and 3c was identified in the file. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025<br>| Resolved-Received CDs and previous mtg statement for 17405 Granada. - Due Diligence Vendor-10/22/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, subject 31.04% <br>Months Reserves exceed minimum required - 6 months required, subject 8.29 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5955769 |
| XXXX | XXXX | 304875517 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875443 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875564 C B A | Closed | FCRE1199 | 2025-10-22 08:53 | 2025-10-22 11:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted to allow Loan amount > $2 Million, Non-material waiver applied with comp factors. non-material due to Excellent credit - Due Diligence Vendor-10/22/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Lender Exception on file. "Allow Loan amount at XXXX" - Due Diligence Vendor-10/22/2025 |  | Waived-Originator exception granted to allow Loan amount > $2 Million, Non-material waiver applied with comp factors. non-material due to Excellent credit - Due Diligence Vendor-10/22/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+76k)<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 701 | 24 + Month ontime mortgage history<br> 24 + Month credit history<br> 5 + Years self employed |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5969324 |
| XXXX | XXXX | 304875577 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875485 D A | Closed | FCOM1227 | 2025-10-22 17:14 | 2025-12-18 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Corrected DOT provided with the PUD rider. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. Please see attached Deed including the PUD Rider - Seller-12/18/2025 <br>Open-PUD Rider is Missing Missing PUD Rider - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Please see attached Deed including the PUD Rider - Seller-12/18/2025<br>| Resolved-Corrected DOT provided with the PUD rider. - Due Diligence Vendor-12/18/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 35 months<br>Qualifying DTI below maximum allowed - DTI of 24.05% is below the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5979176 |
| XXXX | XXXX | 304875622 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304875511 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875461 D B C A | Closed | finding-3634 | 2025-10-22 13:04 | 2025-10-29 12:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-------Received Screen shots of exception that pricing change effective date was XXXX. Finding Resolved. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Counter uploaded - Seller-10/28/2025 <br> Counter------Because the COC is more than 3 days and cannot be used for the XXXX CD, the increase in fees is XXXX, the lender credit is only forXXXX. We need a PPCD with a correction for the remaining XXXX. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. There is no CD for XXXX but a post-close CD issued XXXX that shows -$1,188 .00 tolerance cure on the last line of page 2 of 5 of post close CD. - Seller-10/27/2025 <br> Counter------Please provide CD dated within 3 days of the COC dated XXXX. CD XXXX is more than 3 days after the COC. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. ATTACHED COC AND CD FOR THE CHANGE IN DISCOUNT POINTS DUE TO A GUIDELINE EXCEPTION - Seller-10/24/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,267.80.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $2,267.80 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,087.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. $1,188.00 Lender credit for increase in fees above legal limits applied. Statute of Limitations 1 year, expiration date XXXX. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Counter uploaded - Seller-10/28/2025 <br> Ready for Review-Document Uploaded. There is no CD for XXXX but a post-close CD issued XXXX that shows -$1,188 .00 tolerance cure on the last line of page 2 of 5 of post close CD. - Seller-10/27/2025 <br> Ready for Review-Document Uploaded. ATTACHED COC AND CD FOR THE CHANGE IN DISCOUNT POINTS DUE TO A GUIDELINE EXCEPTION - Seller-10/24/2025 | Resolved-------Received Screen shots of exception that pricing change effective date was XXXX. Finding Resolved. - Due Diligence Vendor-10/29/2025 | Months Reserves exceed minimum required - 15.62 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 651 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5974393 |
| XXXX | XXXX | 304875461 D B C A | Closed | FCRE6019 | 2025-10-22 12:28 | 2025-10-28 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/24/2025 <br>Open-Borrower Citizenship Documentation Is Missing Missing Citizenship documentation - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/24/2025<br>| Resolved-Received Permanent Resident Card. - Due Diligence Vendor-10/28/2025<br>| Months Reserves exceed minimum required - 15.62 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 651 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5973846 |
| XXXX | XXXX | 304875461 D B C A | Closed | FPRO1255 | 2025-10-23 15:26 | 2025-10-24 11:10 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/24/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Approved Lender Exception on file: "Condo with no HOA dues and no association. Not able to complete Condo review, property has Parting Wall Agreement on title'. Non-Material: Property has no HOA and a Parting Wall Agreement. Priced as Non-Warrantable. - Due Diligence Vendor-10/23/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - 15.62 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 651 | 11 months reserves <br> 3 years same job<br> No mortgage lates <br> Low DTI |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5994561 |
| XXXX | XXXX | 304875461 D B C A | Closed | FCRE1173 | 2025-10-23 15:33 | 2025-10-24 11:09 | Waived | 2 - Non-Material B | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/24/2025 <br>Open-Missing Condo Master Insurance Policy Approved Lender Exception on file: "Condo with no HOA dues and no association. Not able to complete Condo review, property has Parting Wall Agreement on title: Non-Material- Property no longer has HOA - Due Diligence Vendor-10/23/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - 15.62 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 651 | 11 months reserves <br> 3 years same job<br> No mortgage lates <br> Low DTI |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5994678 |
| XXXX | XXXX | 304875418 D B C A | Closed | FCRE7497 | 2025-10-24 10:30 | 2025-12-08 15:16 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived-Originator waiver applied to non-material finding with compensating factors. Exception to allow loan to be approved without HOI documentation for<br> 3a and use .35% of estimated value as the qualifying HOI payment. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached exception - Seller-12/08/2025 <br>Counter-Unable to accept estimate for HOI. Please provide HOI documentation to confirm HOI premium(s) - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. Please see attached documentation which includes the complete housing payment (Mortgage Payment from Bank Statements, Taxes from Prop Profile, and HOI calculated at .35% of current estimated value from zillow). Please note that including the housing payment, DTI would only be at 24.627% and would have no impact on the Underwriting decision. Can this condition please be cleared? - Seller-11/26/2025 <br>Counter-While mortgage in spouses name, borrower has been making payments and included in the DTI. Please provide the HOI verification. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. Disagree, please see attached Property profile, Borrower is only on title. also attached doc shows no HOA - Seller-10/24/2025 <br>Open-Missing insurance documentation for property 3A and if any HOA dues exist - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please see attached exception - Seller-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached documentation which includes the complete housing payment (Mortgage Payment from Bank Statements, Taxes from Prop Profile, and HOI calculated at .35% of current estimated value from zillow). Please note that including the housing payment, DTI would only be at 24.627% and would have no impact on the Underwriting decision. Can this condition please be cleared? - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. Disagree, please see attached Property profile, Borrower is only on title. also attached doc shows no HOA - Seller-10/24/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors. Exception to allow loan to be approved without HOI documentation for<br> 3a and use .35% of estimated value as the qualifying HOI payment. - Due Diligence Vendor-12/08/2025<br>| Qualifying DTI below maximum allowed - 23.30% DTI below max allowed of 50%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income exceeds requirement | $26,631 residual income<br> 23.3% DTI | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6004146 |
| XXXX | XXXX | 304875418 D B C A | Closed | FCOM1978 | 2025-10-23 14:46 | 2025-10-27 11:09 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received proof of receipt of ITP dated XXXX. Finding Resolved. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Please see attached system shows e-signed docs on XXXX - Seller-10/24/2025 <br> Open------Missing Intent to Proceed - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. Please see attached system shows e-signed docs on 9.22 - Seller-10/24/2025<br>| Resolved------Received proof of receipt of ITP dated XXXX. Finding Resolved. - Due Diligence Vendor-10/27/2025 | Qualifying DTI below maximum allowed - 23.30% DTI below max allowed of 50%<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income exceeds requirement |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5993648 |
| XXXX | XXXX | 304875372 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875563 D A C | Closed | FPRO1257 | 2025-10-24 16:44 | 2025-12-24 14:01 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. Please see attached secondary valuation product - Seller-12/22/2025 <br>Counter-Received CU with score of 999-finding remains. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/28/2025 <br>Counter-Review did not receive secondary valuation product-please provide. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-please escalate for manager review, what is the defect? - Seller-11/21/2025 <br>Counter-Clarification-missing secondary valuation product supporting value. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Please waive and or clarify on defect since Primary home is not subject property. Further documentation is not required, Please clear - Seller-10/27/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Duplicate, a condition has been added. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please see attached secondary valuation product - Seller-12/22/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/28/2025 <br>Ready for Review-please escalate for manager review, what is the defect? - Seller-11/21/2025 <br>Ready for Review-Please waive and or clarify on defect since Primary home is not subject property. Further documentation is not required, Please clear - Seller-10/27/2025<br>| Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-12/24/2025<br>| Months Reserves exceed minimum required - Required reserves 6 / Borrower has 19<br>Qualifying FICO score is at least 20 points above minimum for program - Required FICO 680/ Borrower's 717 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6012555 |
| XXXX | XXXX | 304875563 D A C | Closed | FCRE2393 | 2025-10-24 18:43 | 2025-12-22 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Received mtg statements confirming escrows included. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached the additional REOs XXXX., All have Escrowed accounts - Seller-12/19/2025 <br> Counter-Reviewed uploads and initial file. Missing PITIA for 1i, 3d, 3e, 3k, and 3l. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Ready for Review-Please advise on what addresses you are still missing. - Seller-12/16/2025 <br> Counter-Received confirmation D3 XXXX is escrowed-missing confirmation for other noted. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-11/28/2025 <br> Ready for Review-Document Uploaded. Please provide property addresses for the REOs being questioned, Lender notes per final 1003, the docs provided for the REOs are all accordingly as stated on the final 1003. Property I: XXXX. - Seller-11/28/2025 <br> Counter-After further review from management- none of the documents provided match the addresses for properties that are in question 3f, 3h, 3j, 3n- the documents provided are for other properties the borrower owns that are listed on the final 1003 as well.- condition remains<br> - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Please escalate for manager review, Closing Disclosures provided show impounded / escrowed payments... - Seller-11/21/2025 <br> Counter-Received duplicate documentation for 3h, j, f and n. Finding remains. 1. Property I: Provide proof escrows included in mortgage payment, credit supplement does not prove. 2. Property D: Provide proof escrows included in mortgage payment, credit supplement does not prove. 3. Property E: Provide proof escrows included in mortgage payment, credit supplement does not prove. 4. Property G: Provide proof escrows included in mortgage payment, credit supplement does not prove. 5. Property L: Provide proof escrows included in mortgage payment, credit supplement does not prove. 6. Property M: Provide proof escrows included in mortgage payment, credit supplement does not prove. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/27/2025 <br> Open-1. Property I: Provide proof escrows included in mortgage payment, credit supplement does not prove. <br> 2. Property D: Provide proof escrows included in mortgage payment, credit supplement does not prove. <br> 3. Property E: Provide proof escrows included in mortgage payment, credit supplement does not prove. <br> 4. Property G: Provide proof escrows included in mortgage payment, credit supplement does not prove. <br> 5. Property L: Provide proof escrows included in mortgage payment, credit supplement does not prove. <br> 6. Property M: Provide proof escrows included in mortgage payment, credit supplement does not prove.<br> - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please see attached the additional REOs XXXX., All have Escrowed accounts - Seller-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Ready for Review-Please advise on what addresses you are still missing. - Seller-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-11/28/2025 <br> Ready for Review-Document Uploaded. Please provide property addresses for the REOs being questioned, Lender notes per final 1003, the docs provided for the REOs are all accordingly as stated on the final 1003. Property I: XXXX. - Seller-11/28/2025 <br> Ready for Review-Please escalate for manager review, Closing Disclosures provided show impounded / escrowed payments... - Seller-11/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/27/2025 | Resolved-Received mtg statements confirming escrows included. - Due Diligence Vendor-12/22/2025<br>| Months Reserves exceed minimum required - Required reserves 6 / Borrower has 19<br>Qualifying FICO score is at least 20 points above minimum for program - Required FICO 680/ Borrower's 717 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6014133 |
| XXXX | XXXX | 304875563 D A C | Closed | FCRE1440 | 2025-10-27 10:43 | 2025-12-03 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received final CD for primary. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-11/28/2025 <br> Counter-For clarification--missing either final CD or validation of PITIA for XXXX. received only preliminary cd with no escrows etc. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-please provide defect details of REO in question to avoid documentation that may not be needed - Seller-11/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Property K: Provide missing Terms of Mortgage & Escrows. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. please see attached - Seller-11/28/2025 <br>Ready for Review-please provide defect details of REO in question to avoid documentation that may not be needed - Seller-11/21/2025<br>| Resolved-Received final CD for primary. - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - Required reserves 6 / Borrower has 19<br>Qualifying FICO score is at least 20 points above minimum for program - Required FICO 680/ Borrower's 717 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6021257 |
| XXXX | XXXX | 304875426 C A | Closed | FCRE9501 | 2025-10-24 22:10 | 2025-11-07 16:03 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD reflecting zero cash required for closing. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Ready for Review-Document Uploaded. Please see attached final settlement statement; CTC was $0. - Seller-11/05/2025 <br>Open-Total Qualified Assets Post-Close amount is '$-1260.65'. Assets are Insufficient. Missing asset documentation to cover cash required to close. - Due Diligence Vendor-10/25/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Ready for Review-Document Uploaded. Please see attached final settlement statement; CTC was $0. - Seller-11/05/2025<br>| Resolved-Received PCCD reflecting zero cash required for closing. - Due Diligence Vendor-11/07/2025<br>| LTV is less than guideline maximum - LTV of 67.63% is below the maximum of 75% allowed per guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 740 which exceeds the minimum of 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6015012 |
| XXXX | XXXX | 304875340 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875341 D A | Closed | FCRE8887 | 2025-10-27 10:16 | 2025-11-07 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised 1003 w/2year employment history - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Please see attached Final PC 1003 showing full 2-year employment history. Please clear this finding. - Seller-11/05/2025 <br> Counter-2 year employment history to reflect on final 1003-Full two year employment history is not documented on the 1003. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. I disagree. The initial filing date of XXXX is XXXX as evidenced by a XXXX SOS business search. 7.1.1 Business Bank statements state Borrowers must be self-employed for at least one (1) year in the same business which is supported by the XXXX SOS business search and must have at least two (2) years in the same line of business which is supported by a CPA letter provided in the file. CPA letter provided in the file states our borrower has been self-employed for the last 5 years in providing XXXX Services. Please clear this finding. - Seller-10/27/2025 <br> Open-Full two year employment history is not documented on the 1003. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Please see attached Final PC 1003 showing full 2-year employment history. Please clear this finding. - Seller-11/05/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. I disagree. The initial filing date of XXXX & Co is XXXX as evidenced by a CA SOS business search. 7.1.1 Business Bank statements state Borrowers must be self-employed for at least one (1) year in the same business which is supported by the CA SOS business search and must have at least two (2) years in the same line of business which is supported by a CPA letter provided in the file. CPA letter provided in the file states our borrower has been self-employed for the last 5 years in providing XXXXy Services. Please clear this finding. - Seller-10/27/2025 | Resolved-Received revised 1003 w/2year employment history - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 730 Qualifying FICO score is at least 20 points above minimum for program of 700.<br>Months Reserves exceed minimum required - 12.44 months reserves, 12 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6020753 |
| XXXX | XXXX | 304875341 D A | Closed | FCRE1506 | 2025-10-27 11:09 | 2025-10-28 14:06 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received VOR for current and past. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. Please see attached VOR page 3 of 4. Tenant rented XXXX from XXXX for XXXX per month which matches the credit report that shows a monthly payment of XXXX. Please take note that it shows rental agreement /closed as of XXXX. Borrower moved to another rental at XXXX to current. Please clear this finding. - Seller-10/27/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Rental history on credit only reporting up until XXXX therefore there is a 3 month gap from this date to current VOR dated XXXX - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Please see attached VOR page 3 of 4. Tenant rented XXXX from XXXX for $2,996 per month which matches the credit report that shows a monthly payment of $2,996. Please take note that it shows rental agreement /closed as of XXXX. Borrower moved to another rental at XXXX to current. Please clear this finding. - Seller-10/27/2025 | Resolved-Received VOR for current and past. - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 730 Qualifying FICO score is at least 20 points above minimum for program of 700.<br>Months Reserves exceed minimum required - 12.44 months reserves, 12 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6021772 |
| XXXX | XXXX | 304875341 D A | Closed | FCRE1440 | 2025-10-27 10:38 | 2025-10-28 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received current and previous VOR-complete 12 month housing history provided. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. I disagree. The initial filing date of XXXX is XXXX as evidenced by a XXXX SOS business search. 7.1.1 Business Bank statements state Borrowers must be self-employed for at least one (1) year in the same business which is supported by the XXXX SOS business search and must have at least two (2) years in the same line of business which is supported by a CPA letter provided in the file. CPA letter provided in the file states our borrower has been self-employed for the last 5 years in providing XXXX Services. Please clear this finding. - Seller-10/27/2025 <br> Ready for Review-Document Uploaded. Please see attached VOR page 3 of 4. Tenant rented XXXX XXXX from XXXX for XXXX per month which matches the credit report that shows a monthly payment of XXXX. Please take note that it shows rental agreement /closed as of XXXX. Borrower moved to another rental at XXXX as of XXXX to current. Please clear this finding. - Seller-10/27/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Rental history on credit only reporting up until XXXX therefore there is a 3 month gap from this date to current VOR dated XXXX - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. I disagree. The initial filing date of XXXX as evidenced by a XXXX SOS business search. 7.1.1 Business Bank statements state Borrowers must be self-employed for at least one (1) year in the same business which is supported by the XXXX SOS business search and must have at least two (2) years in the same line of business which is supported by a CPA letter provided in the file. CPA letter provided in the file states our borrower has been self-employed for the last 5 years in providing XXXX Services. Please clear this finding. - Seller-10/27/2025 <br> Ready for Review-Document Uploaded. Please see attached VOR page 3 of 4. Tenant rented XXXX for $2,996 per month which matches the credit report that shows a monthly payment of $2,996. Please take note that it shows rental agreement /closed as of XXXX. Borrower moved to another rental at XXXX as of XXXX to current. Please clear this finding. - Seller-10/27/2025 | Resolved-Received current and previous VOR-complete 12 month housing history provided. - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 730 Qualifying FICO score is at least 20 points above minimum for program of 700.<br>Months Reserves exceed minimum required - 12.44 months reserves, 12 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6021119 |
| XXXX | XXXX | 304875456 C B A | Closed | FCRE1495 | 2025-10-27 11:33 | 2025-11-10 14:56 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Current Employment Not Verified | Resolved-Received corrected 1003 removing secondary income. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025 <br> Open-ATR: Current Employment Not Verified Missing employment documentation for borrower's second business, owned since XXXX, earning $3,500 per month, as reflected on loan application. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025<br>| Resolved-Received corrected 1003 removing secondary income. - Due Diligence Vendor-11/10/2025<br>| Credit history exceeds minimum required - 0x30 in the 24+ month credit history exceeds minimum required.<br>Months Reserves exceed minimum required - Verified assets of 6.09 months exceeds the minimum required of 3 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6022874 |
| XXXX | XXXX | 304875456 C B A | Closed | FCRE1506 | 2025-10-27 11:33 | 2025-11-10 14:56 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received corrected 1003 removing secondary income. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing employment documentation for borrower's second business, owned since XXXX, earning $3,500 per month, as reflected on loan application.<br> Missing income documentation for borrower's second business, owned since XXXX, earning XXXX per month, as reflected on loan application. <br> As a result, audit recalculated DTI is 50.76% and exceeds max of 50% allowed for FTHB. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025<br>| Resolved-Received corrected 1003 removing secondary income. - Due Diligence Vendor-11/10/2025<br>| Credit history exceeds minimum required - 0x30 in the 24+ month credit history exceeds minimum required.<br>Months Reserves exceed minimum required - Verified assets of 6.09 months exceeds the minimum required of 3 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6022875 |
| XXXX | XXXX | 304875456 C B A | Closed | FCRE1193 | 2025-10-27 11:53 | 2025-11-10 14:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator provided a waiver for DTI of 51%, applied to non material finding with comp factors - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025 <br>Open-Audited DTI of 50.76% exceeds Guideline DTI of 50% Guides allow a maximum DTI ratio of 50% for first-time homebuyers. Missing documentation of income and employment for borrower's second business. Removal of the income from second business resulted in a recalculated DTI ratio of 50.76%. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025<br>| Waived-Originator provided a waiver for DTI of 51%, applied to non material finding with comp factors - Due Diligence Vendor-11/10/2025<br>| Credit history exceeds minimum required - 0x30 in the 24+ month credit history exceeds minimum required.<br>Months Reserves exceed minimum required - Verified assets of 6.09 months exceeds the minimum required of 3 months | Reserves: 3+ months above minimum<br> Credit: 0x30 for 24+ months | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6023301 |
| XXXX | XXXX | 304875456 C B A | Closed | FCRE1293 | 2025-10-26 23:05 | 2025-11-10 14:51 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received corrected 1008/1003 removing 2nd income. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025 <br> Open-Income 2 Months Income Verified is Missing Missing income documentation for borrower's second business, owned since XXXX, earning XXXX per month, as reflected on loan application. It should be noted that the loan file is also missing documentation of the lender's calculation for this income. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025<br>| Resolved-Received corrected 1008/1003 removing 2nd income. - Due Diligence Vendor-11/10/2025<br>| Credit history exceeds minimum required - 0x30 in the 24+ month credit history exceeds minimum required.<br>Months Reserves exceed minimum required - Verified assets of 6.09 months exceeds the minimum required of 3 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6017395 |
| XXXX | XXXX | 304875469 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875474 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875480 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875388 C B A | Closed | FCRE0179 | 2025-10-28 11:50 | 2025-12-10 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-not a valid finding, please clear as soon as possible. the 1008 is not a required document - Seller-12/09/2025 <br> Counter-Received revised 1008 showing warrantable but does not reflect type of warranty. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-11/28/2025 <br> Counter-Received 1008 reflecting Warrantable Type Q-transaction does not meet limited review XXXX BB4-2.2.01 as LTV exceeds 75%. Finding remains. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025 <br> Open-UW Attestation/Docs stating warrantability are missing. Provide missing UW Attestation/Docs stating warrantability of condo. - Due Diligence Vendor-10/28/2025 | Ready for Review-not a valid finding, please clear as soon as possible. the 1008 is not a required document - Seller-12/09/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-11/28/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025<br>| Resolved-Received 1008. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 754<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 37.19% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6038515 |
| XXXX | XXXX | 304875388 C B A | Closed | FCRE1194 | 2025-10-28 12:07 | 2025-10-30 13:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for 80% LTV, applied to non material finding with comp factors - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender Exception: Approved 80% LTV, Matrix Max 75% NOO - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025<br>| Waived-Originator provided a waiver for 80% LTV, applied to non material finding with comp factors - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 754<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 37.19% | 1. DTI 5% below max allowed<br> 2. FICO is 20 pts above minimum for program | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6038764 |
| XXXX | XXXX | 304875388 C B A | Closed | FCRE1148 | 2025-10-28 14:41 | 2025-10-30 13:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage not sufficient - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025<br>| Resolved-Received updated preliminary title reflecting sufficient coverage - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 754<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 37.19% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6041744 |
| XXXX | XXXX | 304875442 C A | Closed | FCRE1148 | 2025-10-28 15:10 | 2025-10-31 15:05 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. Please see attached Title amendment showing correct policy amount. - Seller-10/29/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing proof of sufficient Title Coverage. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Please see attached Title amendment showing correct policy amount. - Seller-10/29/2025<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/31/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less-- Borrower's DSCR % is 1.102 and minimum is .75%<br>Months Reserves exceed minimum required - Min reserves 6 mths--- Borrower has 70.55 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6042317 |
| XXXX | XXXX | 304875442 C A | Closed | FCOM1221 | 2025-10-28 14:50 | 2025-10-31 15:03 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. Please see attached DOT with signed page and legal description - Seller-10/29/2025 <br>Open-The Deed of Trust is Incomplete Missing pages of the Deed of Trust including, but not limited to the signature page and Exhibit A. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Please see attached DOT with signed page and legal description - Seller-10/29/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/31/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less-- Borrower's DSCR % is 1.102 and minimum is .75%<br>Months Reserves exceed minimum required - Min reserves 6 mths--- Borrower has 70.55 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6041948 |
| XXXX | XXXX | 304875595 C B A | Closed | FCRE1440 | 2025-10-29 10:41 | 2025-10-29 10:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow non 12 month housing history , Non-material waiver applied with comp factors. non-material due to LTv > 5% from maximum - Due Diligence Vendor-10/29/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Exception to allow a rent free borrower that has a free and clear property with no 12 month housing history in the past 12 months. - Due Diligence Vendor-10/29/2025 |  | Waived-Originator exception granted to allow non 12 month housing history , Non-material waiver applied with comp factors. non-material due to LTv > 5% from maximum - Due Diligence Vendor-10/29/2025<br>| LTV is less than guideline maximum - LTV of 39.33% is below the maximum of 75% allowed per guidelines<br>Months Reserves exceed minimum required - Verified assets of 93.32 months exceeds the minimum required of 3 months | LTV is more than 5% below the max allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6051320 |
| XXXX | XXXX | 304875368 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875541 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875391 C B A | Closed | FCRE1278 | 2025-10-29 15:41 | 2025-11-24 13:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator provided a exception to allow the foreign national to waive escrows , applied to non material finding with comp factors. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached exception - Seller-11/20/2025 <br> Open-Per guidelines - Escrow waivers are not allowed for the following: Foreign National - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. Please see attached exception - Seller-11/20/2025<br>| Waived-Originator provided a exception to allow the foreign national to waive escrows , applied to non material finding with comp factors. - Due Diligence Vendor-11/24/2025<br>| LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 65%<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 62.54m. | LTV is 5% less than guideline maximum \* Reserves 3+ months above minimum required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 6058151 |
| XXXX | XXXX | 304875353 B A | Closed | FCRE1491 | 2025-10-30 07:35 | 2025-10-30 10:07 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/30/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements EXCEPTION REQUEST Approved to use business funds for asset reserves: Non-Material, no negative impact to the business. - Due Diligence Vendor-10/30/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - 12 months minimum reserves required, borrower has 57.44<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 5.6 | - LTV 5% less than guideline maximum<br> - Reserves 3+ months above minimum required<br> - DTI below 10% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6064196 |
| XXXX | XXXX | 304892534 C A | Closed | FCRE9488 | 2025-10-30 13:06 | 2025-11-13 17:33 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Motivation letter provided. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Please note that it is unreasonable to request proof the property is occupied on a Purchase. Borrower does not own the property and is unable to move in until after the transaction is finalized. As a lender, our due diligence is to verify the intended occupancy which was supported by the Motivation Letter provided by the borrower. Please waive this condition - Seller-11/13/2025 <br>Counter-Received duplicate documentation-provide acceptable documentation to support occupancy. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Motivation letter was provided in the file wherein Borrower states that they will live in one unit and rent the other units to offset living expenses. Also, the departing residence will be used for investment. Please clear this finding. - Seller-10/31/2025 <br>Open-Occupancy is questionable, Borrower moving from beautiful home on water with 1409 sq, ft to 4 unit 884 sq ft is questionable, provide documentation to support occupancy. - Due Diligence Vendor-10/30/2025 | Ready for Review-Please note that it is unreasonable to request proof the property is occupied on a Purchase. Borrower does not own the property and is unable to move in until after the transaction is finalized. As a lender, our due diligence is to verify the intended occupancy which was supported by the Motivation Letter provided by the borrower. Please waive this condition - Seller-11/13/2025 <br>Ready for Review-Document Uploaded. Motivation letter was provided in the file wherein Borrower states that they will live in one unit and rent the other units to offset living expenses. Also, the departing residence will be used for investment. Please clear this finding. - Seller-10/31/2025<br>| Resolved-Motivation letter provided. - Due Diligence Vendor-11/13/2025<br>| LTV is less than guideline maximum - ltv max for 4 unit is 85%, borrowers ltv is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - fico is 629, minimum fico is 620 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6071218 |
| XXXX | XXXX | 304875387 D A | Closed | FCRE1506 | 2025-10-30 12:53 | 2025-11-05 15:34 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received 24 mos bank statements - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/03/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Income documentation to support DTI used by lender for qualification - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/03/2025<br>| Resolved-Received 24 mos bank statements - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - Verified assets of 23.26 months exceeds the minimum required of 12 months<br>Qualifying DTI below maximum allowed - 26% DTI ratio, 43% DTI maximum allowed.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $34,688 of residual income, more than 23 times the minimum required of $1,500. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6071028 |
| XXXX | XXXX | 304875387 D A | Closed | FCRE1342 | 2025-10-30 09:15 | 2025-11-05 15:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received 24 mos business bank statements - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/03/2025 <br>Open-Borrower 1 Business Bank Statements Missing Incomplete bank statement. Most of the statements are missing pages and appears they were double sided pages that only scanned 1 side as we see mostly odd pages. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/03/2025<br>| Resolved-Received 24 mos business bank statements - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - Verified assets of 23.26 months exceeds the minimum required of 12 months<br>Qualifying DTI below maximum allowed - 26% DTI ratio, 43% DTI maximum allowed.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $34,688 of residual income, more than 23 times the minimum required of $1,500. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6065541 |
| XXXX | XXXX | 304875416 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875345 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875510 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304875476 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304892578 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304892523 D A | Closed | FCOM1227 | 2025-10-31 11:45 | 2025-11-10 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD rider. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. Please see attached PUD Rider. - Seller-11/06/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. Please see attached PUD Rider. - Seller-11/06/2025<br>| Resolved-Received PUD rider. - Due Diligence Vendor-11/10/2025<br>| DSCR % greater than 1.20 - DSCR is 1.499<br>Months Reserves exceed minimum required - 2.97 mos reserves; 0 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6083940 |
| XXXX | XXXX | 304892554 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875570 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304892557 C A | Closed | FCRE1440 | 2025-11-03 09:34 | 2025-11-19 15:02 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter and property profile. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached Property Profiles showing that the borrower's mom owns both properties. Based on the information, it is reasonable that both the mom and borrower lived at XXXX up until she purchased their new residence at XXXX in XXXX. We understand that the Rent Free Letter only covers the period after the current residence was purchased; however, it is reasonable to assume that if the borrower is currently living rent free with his mother; he would have also been rent free at the prior residence. Can this please be cleared given the mom owns both properties? - Seller-11/18/2025 <br> Counter-Rent Free Letter provided from parents stating rent free from XXXX. Missing prior housing history to complete the 12 month look back. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Please see attached Rent Free Letter. - Seller-11/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing Rent Free letter - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Please see attached Property Profiles showing that the XXXX. Based on the information, it is reasonable that both the mom and borrower lived at XXXX up until she purchased their new residence at XXXX. We understand that the XXXX Letter only covers the period after the current residence was purchased; however, it is reasonable to assume that if the borrower is currently living XXXX with his mother; he would have also been rent free at the prior residence. Can this please be cleared given the mom owns both properties? - Seller-11/18/2025 <br> Ready for Review-Please see attached XXXX Letter. - Seller-11/03/2025 | Resolved-Received Rent Free Letter and property profile. - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 715 which exceeds the minimum of 680<br>Qualifying DTI below maximum allowed - DTI of 25.4% is below the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6097116 |
| XXXX | XXXX | 304892614 D A | Closed | FCRE6737 | 2025-11-04 12:02 | 2025-11-25 14:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received calculation worksheet w/expense factor. Recalculated income. No further documentation is required. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/21/2025 <br> Counter-1003 and income calculation provided, however the income calculation did not include what expense factor should be used. Borrower states the expense ratio is 20% which will cause the DTI to be > 50%. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Attached please fiind a revised income calculation worksheet, 1003 and 1008. - Seller-11/19/2025 <br> Counter-Please confirm the deposits on your worksheet - he total deposit amount we get from XXXX is $147,565.40 and your worksheet indicates $264,187.62.<br>- Due Diligence Vendor-11/19/2025 <br> Ready for Review-We kindly disagree, the worksheet provided excludes all deposits for the months referenced and is based solely on the deposits from XXXX. Please clear as the income calc is based solely on the most recent 12 months. - Seller-11/18/2025 <br> Counter-12 month bank statement program, Lenders work sheet includes XXXX, XXXX. Review income based of income from XXXX-XXXX. Applying a 20% expense factor will result in a DTI finding. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Please note that this is a XXXX Statement Loan which only requires a 10% expense Factor to be used when separate Business Statements are not available. Being that the borrower disclosed a 20% expense factor, the income calc was reworked, and the income decreased to XXXX. Please see corrected Income Calc, 1003 and 1008 which supports that the DTI increased to only 30.078% with the income recalculated with a 20% expense factor. We ask that this finding be cleared since the loan still qualifies. - Seller-11/13/2025 <br> Open-Lender to provide an explanation why a 10% expense ratio was utilized when the borrower's business narrative form indicated his business expense was 20%. Additional conditions may apply. It should be noted that use of a 20% expense ratio would result in a lower qualifying income of XXXX and a recalculated DTI ratio exceeding 50%. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/21/2025 <br> Ready for Review-Document Uploaded. Attached please fiind a revised income calculation worksheet, 1003 and 1008. - Seller-11/19/2025 <br> Ready for Review-We kindly disagree, the worksheet provided excludes all deposits for the months referenced and is based solely on the deposits from XXXX. Please clear as the income calc is based solely on the most recent 12 months. - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. Please note that this is a Personal Bank Statement Loan which only requires a 10% expense Factor to be used when separate Business Statements are not available. Being that the borrower disclosed a 20% expense factor, the income calc was reworked, and the income decreased to $12,935.79. Please see corrected Income Calc, 1003 and 1008 which supports that the DTI increased to only 30.078% with the income recalculated with a 20% expense factor. We ask that this finding be cleared since the loan still qualifies. - Seller-11/13/2025 | Resolved-Received calculation worksheet w/expense factor. Recalculated income. No further documentation is required. - Due Diligence Vendor-11/25/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrowers have $4,617.20 of residual income, more than 3x the miniimum of $1500 required.<br>Verified employment history exceeds guidelines - Borrower has owned their business for 3.5 years, which exceeds the minimum employment history of 24 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6117897 |
| XXXX | XXXX | 304892532 C B A | Closed | FCRE1198 | 2025-11-03 08:24 | 2025-11-07 15:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - non-material as 30 day account is authorized user - Due Diligence Vendor-11/07/2025 <br> Ready for Review-We respectfully disagree. As noted on the 1008, the XXXX as it is an Authorized User account, as such, the borrower is not responsible for the payments and the funds do not need to be reduced from the reserve calculations.<br> - Seller-11/05/2025 <br> Counter-Review excluded XXXX for the borrowers 30 day account reporting on the credit report. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please see attached approved exception allowing 3 months reserves. The 3-month reserve requirement equaled XXXX. The delivered loan file included a gift letter for XXXX in addition to the gift for the XXXX EMD. The required CTC was XXXX. As such the borrower met the 3-month reserve requirement. - Seller-11/03/2025 <br> Open-Audited Reserves of 2.46 month(s) are less than Guideline Required Reserves of 12 month(s) Verified assets do not cover the minimum 12 months reserves required per guidelines. - Due Diligence Vendor-11/03/2025 | Ready for Review-We respectfully disagree. As noted on the 1008, the XXXX as it is an Authorized User account, as such, the borrower is not responsible for the payments and the funds do not need to be reduced from the reserve calculations.<br> - Seller-11/05/2025 <br> Ready for Review-Document Uploaded. Please see attached approved exception allowing 3 months reserves. The 3-month reserve requirement equaled $34,427.58. The delivered loan file included a gift letter for XXXXin addition to the gift for theXXXX EMD. The required CTC was XXXX. As such the borrower met the 3-month reserve requirement. - Seller-11/03/2025 | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - non-material as 30 day account is authorized user - Due Diligence Vendor-11/07/2025<br>| Qualifying DTI below maximum allowed - DTI of 37.27% is below the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 722 which exceeds the minimum of 700 | -Self employed over 5 years<br> - DTI 5% less than max allowed<br> VOR AA 24 months | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6095972 |
| XXXX | XXXX | 304892610 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304892533 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875594 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304892584 D A | Closed | FCRE9814 | 2025-11-04 15:56 | 2025-11-11 17:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Disagree, Please see XXXX guide section 9.3 If LTV /CLTV is 65% or LOWER, assets not required to be verified. - Seller-11/10/2025 <br> Counter-Please provide a copy of the Trust to review the terms of the trust. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Ready for Review-Disagree, Lender notes XXXX statements provided clearly identify the trustees — XXXX and XXXX (Both borrowers on the loan)— as the trustee to "XXXX AND XXXX AS TRUSTEE OF THE XXXX ESTABLISHED XXXX". Based on this documentation, no further verification is necessary. Please clear - Seller-11/05/2025 <br> Open-Provide Trust Docs, corresponding to assets used in qualifying and held in Trust. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Disagree, Please see NON QM guide section 9.3 If LTV /CLTV is 65% or LOWER, assets not required to be verified. - Seller-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Ready for Review-Disagree, Lender notes The XXXX Bank statements provided clearly identify the trustees — XXXX and XXXX (Both borrowers on the loan)— as the trustee to "XXXX AS TRUSTEE OF THE XXXX ESTABLISHED XXXX". Based on this documentation, no further verification is necessary. Please clear - Seller-11/05/2025 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 708<br>LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 50.33% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6123689 |
| XXXX | XXXX | 304892581 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875393 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304892579 C A | Closed | FCRE1480 | 2025-11-05 11:56 | 2025-11-13 12:51 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Gift confirmed by title company was not needed and guides allow gifts to be used for reserves. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-We disagree, we do not require the funds to be added to the CD as they are not part of the Purchase Transaction. All we require is confirmation Escrow/Title received the funds from the Donor. Per the E-mail already in the file; any access funds received by Escrow will be released to the borrower. No additional documentation is needed. - Seller-11/13/2025 <br> Counter-Gift of XXXX should reflect on the CD with refund to borrower or copy of wire sent to borrower. Gift is considered in applicable reserves. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-We respectfully disagree. The borrower received two gifts; 1) XXXX cash gift and 2) XXXX gift of equity. The borrower did not require any cash to close. The delivered loan file included an email from the closing agent stating the excess gift funds would be wired to the borrower account at closing. - Seller-11/05/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence of the receipt of the gift for XXXX. File reflects funds received from title but they are not listed on the CD. <br> Missing evidence of the receipt of the additional XXXX gift. - Due Diligence Vendor-11/05/2025 | Ready for Review-We disagree, we do not require the funds to be added to the CD as they are not part of the Purchase Transaction. All we require is confirmation Escrow/Title received the funds from the Donor. Per the E-mail already in the file; any access funds received by Escrow will be released to the borrower. No additional documentation is needed. - Seller-11/13/2025 <br>Ready for Review-We respectfully disagree. The borrower received two gifts; 1) $75,000 cash gift and 2) $83,500 gift of equity. The borrower did not require any cash to close. The delivered loan file included an email from the closing agent stating the excess gift funds would be wired to the borrower account at closing. - Seller-11/05/2025<br>| Resolved-Gift confirmed by title company was not needed and guides allow gifts to be used for reserves. - Due Diligence Vendor-11/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 5.58%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680--- Borrower's FICO 748 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6138217 |
| XXXX | XXXX | 304892579 C A | Closed | FCRE1198 | 2025-11-05 12:01 | 2025-11-13 12:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Gift confirmed by title company was not needed and guides allow gifts to be used for reserves. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-We disagree that a post close CD is required. We do not require the funds to be added to the CD as they are not part of the Purchase Transaction. All we require is confirmation Escrow/Title received the funds from the Donor. Per the E-mail, already in the file, any access funds received by Escrow will be released to the borrower. No additional documentation is needed. - Seller-11/13/2025 <br> Counter-Gift of XXXX should reflect on the CD with refund to borrower or copy of wire sent to borrower. Gift is considered in applicable reserves and must be paper trailed.. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-We respectfully disagree. The borrower received two gifts; 1) XXXX cash gift and 2) XXXX gift of equity. The borrower did not require any cash to close. The delivered loan file included an email from the closing agent stating the excess gift funds would be wired to the borrower account at closing. Therefore, the borrower met the XXXX reserve requirements. - Seller-11/05/2025 <br> Open-Audited Reserves of 7.38 month(s) are less than Guideline Required Reserves of 12 month(s) Borrower is short reserves - Due Diligence Vendor-11/05/2025 | Ready for Review-We disagree that a post close CD is required. We do not require the funds to be added to the CD as they are not part of the Purchase Transaction. All we require is confirmation Escrow/Title received the funds from the Donor. Per the E-mail, already in the file, any access funds received by Escrow will be released to the borrower. No additional documentation is needed. - Seller-11/13/2025 <br> Ready for Review-We respectfully disagree. The borrower received two gifts; 1) XXXX cash gift and 2) XXXX gift of equity. The borrower did not require any cash to close. The delivered loan file included an email from the closing agent stating the excess gift funds would be wired to the borrower account at closing. Therefore, the borrower met the $74,984.52 reserve requirements. - Seller-11/05/2025 | Resolved-Gift confirmed by title company was not needed and guides allow gifts to be used for reserves. - Due Diligence Vendor-11/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 5.58%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680--- Borrower's FICO 748 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6138279 |
| XXXX | XXXX | 304892621 D A | Closed | FPRO1253 | 2025-11-06 10:26 | 2025-11-18 16:26 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received desk review and confirmation 1st appraisal not acceptable due transfer from without XXXX. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached App Report done by XXXX. This appraisal report is a transfer appraisal report and not valid because it was not ordered through XXXX. The Appraisal report by XXXX was used because this was run through XXXX and it has updated comps. Please clear this finding. - Seller-11/15/2025 <br> Counter-Desk Review provided, however it appears we are missing the Appraisal performed by XXXX with an effective date of XXXX. Once received additional findings may apply. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Please see attached CDA for subject property - XXXX. Please clear this finding. - Seller-11/06/2025 <br> Open--Missing Secondary evaluation. Desk Review is for another Appraisal not in file, CU and LCA scores are both over 2.5. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. Please see attached App Report done by C Spencer. This appraisal report is a transfer appraisal report and not valid because it was not ordered through XXXX. The Appraisal report by R Hoffman was used because this was run through XXXX and it has updated comps. Please clear this finding. - Seller-11/15/2025 <br> Ready for Review-Document Uploaded. Please see attached CDA for subject property - XXXX. Please clear this finding. - Seller-11/06/2025 | Resolved-Received desk review and confirmation 1st appraisal not acceptable due transfer from without AMC. - Due Diligence Vendor-11/18/2025<br>| Months Reserves exceed minimum required - Verified assets of 97.7 months exceeds the minimum required of 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 703 which exceeds the minimum of 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6153538 |
| XXXX | XXXX | 304892602 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304892622 D A | Closed | FCRE1339 | 2025-11-07 14:45 | 2025-11-18 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Per Lender, removed XXXX from the income calculation. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached recalc of income, Asset depletion is only from XXXX and Reserves documented from XXXX acct XXXX. Thank you - Seller-11/14/2025 <br> Ready for Review-Lender notes defect for 3 months was addressed with 3+ months already in file and no further documentation is required. Please clear and or escalate for manager review - Seller-11/14/2025 <br> Counter-Missing Aug statement for XXXX - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Disagree, not valid finding due 1 of 2 statements is quarterly and other for all of XXXX, total 4 months verified. - Seller-11/08/2025 <br> Open-Borrower 1 Personal Bank Statements Missing Provide missing 3m complete statement for all accounts used in Asset Depletion Calculation. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Please see attached recalc of income, Asset depletion is only from XXXX and Reserves documented from XXXX. Thank you - Seller-11/14/2025 <br> Ready for Review-Lender notes defect for 3 months was addressed with 3+ months already in file and no further documentation is required. Please clear and or escalate for manager review - Seller-11/14/2025 <br> Ready for Review-Document Uploaded. Disagree, not valid finding due 1 of 2 statements is quarterly and other for all of XXXX, total 4 months verified. - Seller-11/08/2025 | Resolved-Per Lender, removed 8350 from the income calculation. - Due Diligence Vendor-11/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 789<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 231m |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6177140 |
| XXXX | XXXX | 304892563 D A | Closed | FCRE5770 | 2025-11-10 15:02 | 2025-11-13 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. Please see attached Credit Report. - Seller-11/12/2025 <br>Open-Borrower 1 Credit Report is Missing. Provide missing credit report. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. Please see attached Credit Report. - Seller-11/12/2025<br>| Resolved-Received credit report. - Due Diligence Vendor-11/13/2025<br>| DSCR % greater than 1.20 - DSCR of 1.294 is > 1.20<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 25.84m. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6199122 |
| XXXX | XXXX | 304875569 C B A | Closed | FCRE0104 | 2025-11-12 13:57 | 2025-11-18 15:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Document Uploaded. Originator waiver applied to non-material finding. Prepay removed from Note screen and updated CD provided removing the prepay penalty. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Ready for Review-Please note that all of our Promissory Notes contain the following verbiage, that would eliminate the Pre-Payment Penalty when not allowed per State Regulations:<br> • Sec. Q – "This Note shall be governed by the laws of the Property Jurisdiction"<br> It is our position that no further documentation is required, since the Note already contains verbiage negating the Pre-Payment Penalty, if it is not allowed in the state in which the property is located. The prepayment issue is not a credit factor and will not pose any salability issues based on the verbiage already included within the Promissory Note. Any additional clerical requirements or pricing discrepancies will be addressed and remedied with the final investor; and, should not be a reason to delay the loan as it does not pose any qualifying concerns. - Seller-11/17/2025 <br> Open-Prepayment Penalty is not allowed. XXXX loan amount must be over $319,777 for PPP to be allowed - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025 <br>Ready for Review-Please note that all of our Promissory Notes contain the following verbiage, that would eliminate the Pre-Payment Penalty when not allowed per State Regulations:<br> • Sec. Q – "This Note shall be governed by the laws of the Property Jurisdiction"<br> It is our position that no further documentation is required, since the Note already contains verbiage negating the Pre-Payment Penalty, if it is not allowed in the state in which the property is located. The prepayment issue is not a credit factor and will not pose any salability issues based on the verbiage already included within the Promissory Note. Any additional clerical requirements or pricing discrepancies will be addressed and remedied with the final investor; and, should not be a reason to delay the loan as it does not pose any qualifying concerns. - Seller-11/17/2025<br>| Waived-Document Uploaded. Originator waiver applied to non-material finding. Prepay removed from Note screen and updated CD provided removing the prepay penalty. - Due Diligence Vendor-11/18/2025<br>| LTV is less than guideline maximum - LTV 68.96% LTV. Allowed 70%.<br>Months Reserves exceed minimum required - 12.68 months reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6227387 |
| XXXX | XXXX | 304910059 D A | Closed | FCRE2393 | 2025-11-13 17:45 | 2025-11-25 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Received HOI for 3i and 3g - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. - Seller-11/22/2025 <br>Counter-Received HOI for 3I-missing for 3G - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. Please see attached the two HO-6s - Seller-11/17/2025 <br>Open-1. Prop G: Provide docs to verify missing HO6. <br> 2. Prop I: Provide docs to verify HO6. <br> - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/22/2025 <br>Ready for Review-Document Uploaded. Please see attached the two HO-6s - Seller-11/17/2025<br>| Resolved-Received HOI for 3i and 3g - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 783 Required is 700 Borrower has 783<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.57% Required is 50 Borrower has 39.57 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6246323 |
| XXXX | XXXX | 304910059 D A | Closed | FCRE0179 | 2025-11-13 17:37 | 2025-11-25 16:08 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received Budget. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. please see attached reserves study < 5 year and amounts, all meets XXXX guidelines requirements - Seller-11/22/2025 <br> Counter-Received 1008 reflecting Non Warrantable Condo-provide budget confirming reserves meet guidelines 10.11.2 - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached 1008 with statement - Seller-11/17/2025 <br> Open-UW Attestation/Docs stating warrantability are missing. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. please see attached reserves study < 5 year and amounts, all meets NON QM guidelines requirements - Seller-11/22/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008 with statement - Seller-11/17/2025<br>| Resolved-Received Budget. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 783 Required is 700 Borrower has 783<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.57% Required is 50 Borrower has 39.57 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6246259 |
| XXXX | XXXX | 304910059 D A | Closed | FCRE1764 | 2025-11-13 17:45 | 2025-11-19 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received CD - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached TOTAL XXXX= Please see Final CD shows P&I XXXX + Tax XXXX + $XXXX Haz+ XXXX HOA - Seller-11/17/2025 <br> Open-Prop K: Provide docs to verify loan terms for new mortgage & escrows. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Please see attached TOTAL XXXX = Please see Final CD shows P&I XXXX + Tax XXXX + XXXX Haz+ XXXX HOA - Seller-11/17/2025 | Resolved-Received CD - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 783 Required is 700 Borrower has 783<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 39.57% Required is 50 Borrower has 39.57 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6246327 |
| XXXX | XXXX | 304894143 D A C | Closed | FCRE7497 | 2025-11-14 15:25 | 2025-11-21 13:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LOE and corrected 1003 confirming no HOA on REO - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. uploaded LOE - Seller-11/20/2025 <br>Counter-Received 1003. No Letter was uploaded, but loan file included a statement, but monthly amount did not match 1003. Online review confirms property is a Townhouse with HOA fees. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. Uploaded updated final 1003 removing the $221 and LOE from borrower verifying there is no HOA. - Seller-11/19/2025 <br>Open-Provide a copy of the HOA statement for B2 REO 3a as the final 1003 indicates $221.45 in monthly additional fees (escrows are included in the payments as per the SPS mortgage statement). - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. uploaded LOE - Seller-11/20/2025 <br>Ready for Review-Document Uploaded. Uploaded updated final 1003 removing the $221 and LOE from borrower verifying there is no HOA. - Seller-11/19/2025<br>| Resolved-Received LOE and corrected 1003 confirming no HOA on REO - Due Diligence Vendor-11/21/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $20,071.61 per month or residual income which is greater than 1.5 times $3,500<br>On time mortgage history exceeds guideline requirement - 0x30x12 mortgage history required - borrower has 3 mortgage accounts with over 57 months at 0x30 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6259401 |
| XXXX | XXXX | 304894143 D A C | Closed | finding-3540 | 2025-11-14 07:24 | 2025-11-19 10:42 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-----Received copy of borrower receipt of Revised CD. Finding Resolved. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/18/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ------ CD Dated XXXX is not signed by borrower. There is no proof in file borrower received before closing on XXXX. Please provide borrower's acknowledgement of CD issued XXXX - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. uploaded disclosure tracking - Seller-11/18/2025<br>| Resolved-----Received copy of borrower receipt of Revised CD. Finding Resolved. - Due Diligence Vendor-11/19/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $20,071.61 per month or residual income which is greater than 1.5 times $3,500<br>On time mortgage history exceeds guideline requirement - 0x30x12 mortgage history required - borrower has 3 mortgage accounts with over 57 months at 0x30 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6250346 |
| XXXX | XXXX | 304894143 D A C | Closed | finding-3634 | 2025-11-14 07:24 | 2025-11-19 10:42 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received copy of borrower receipt of Revised CD. Finding Resolved. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-uploaded disclosure tracking - Seller-11/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $660.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------ COC in file, provide borrower acknowledgment of CD issued 11/06/2025. Additional findings may apply upon receipt. - Due Diligence Vendor-11/14/2025 | Ready for Review-uploaded disclosure tracking - Seller-11/18/2025<br>| Resolved-----Received copy of borrower receipt of Revised CD. Finding Resolved. - Due Diligence Vendor-11/19/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $20,071.61 per month or residual income which is greater than 1.5 times $3,500<br>On time mortgage history exceeds guideline requirement - 0x30x12 mortgage history required - borrower has 3 mortgage accounts with over 57 months at 0x30 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6250347 |
| XXXX | XXXX | 304910117 C A | Closed | FCRE1232 | 2025-11-20 09:40 | 2026-03-16 10:08 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-03/16/2026 <br> Resolved-The projected annual revenue includes a 37% vacancy factor. Projected STR does not need to include operating expenses. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-We respectfully disagree. The DSCR calculations is correct at 1.435. Per guidelines section 3.4 Refinance Qualification for Short Term Rental, the appraiser's Short-term Rental Feasibility Report and XXXX can be used. Per the Short-term Rental Feasibility Report, the annual projected revenue, after the occupancy rate reduction, is XXXX/12=XXXX/ the PITIA of XXXX = 1.435.<br> - Seller-11/21/2025 <br> Open-The Calculated DSCR of '0.945' is less than the minimum DSCR per lender guidelines of '1'. Using short term rental analysis. - Due Diligence Vendor-11/20/2025 | Ready for Review-We respectfully disagree. The DSCR calculations is correct at 1.435. Per guidelines section 3.4 Refinance Qualification for Short Term Rental, the appraiser's Short-term Rental Feasibility Report and AirDNA can be used. Per the Short-term Rental Feasibility Report, the annual projected revenue, after the occupancy rate reduction, is $20,000/12=$1666.67 / the PITIA of $1161.37 = 1.435.<br> - Seller-11/21/2025<br>| Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-03/16/2026 <br>Resolved-The projected annual revenue includes a 37% vacancy factor. Projected STR does not need to include operating expenses. - Due Diligence Vendor-12/02/2025<br>| Credit history exceeds minimum required - Credit History = 540 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - 6 months reserves required - actual reserves are 75.24 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6319962 |
| XXXX | XXXX | 304894112 C A | Closed | FVAL2477 | 2025-11-19 15:46 | 2025-11-24 11:59 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received transfer letter reflecting the appraisal was transferred to the lender.<br> - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Received transfer letter reflecting the appraisal was transferred to the lender. - Due Diligence Vendor-11/24/2025 <br> Open-Provide an updated appraisal transfer letter from Pennymac reflecting that the appraisal was transferred to XXXX. - Due Diligence Vendor-11/19/2025 |  | Resolved-Received transfer letter reflecting the appraisal was transferred to the lender.<br> - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.4 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6311494 |
| XXXX | XXXX | 304894112 C A | Closed | FCRE1437 | 2025-11-20 16:14 | 2025-11-24 11:51 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Uploaded an updated income worksheet showing the XXXX excluded. Borrower still qualifies. I also included an updated 1003 and 1008 showing new monthly income amount. Please review and advise.. - Seller-11/21/2025 <br> Open-Income and Employment Do Not Meet Guidelines Provide the source of the $46,883.38 deposit to XXXX on XXXX. Additional conditions may apply. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Uploaded an updated income worksheet showing the $46,883.38 excluded. Borrower still qualifies. I also included an updated 1003 and 1008 showing new monthly income amount. Please review and advise.. - Seller-11/21/2025<br>| Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.4 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6332407 |
| XXXX | XXXX | 304894069 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305030854 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304894076 D A C | Closed | FCRE4104 | 2025-12-08 12:25 | 2025-12-11 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received source of large deposits. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. uploaded deposit source - Seller-12/10/2025 <br> Open-Provide the source of the XXXX deposit to WXXXX on XXXX. Additional conditions may apply. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. uploaded deposit source - Seller-12/10/2025<br>| Resolved-Received source of large deposits. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.76<br>LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6530921 |
| XXXX | XXXX | 304894076 D A C | Closed | FCRE1325 | 2025-12-08 11:44 | 2025-12-11 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter confirming review of all tax returns and financials. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. uploaded CPA - Seller-12/10/2025 <br>Open-Borrower 1 CPA Letter Missing Provide an updated CPA letter. The CPA/EA/CTEC/Tax Attorney must attest they have completed or filed the borrower's most recent business tax return - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. uploaded CPA - Seller-12/10/2025<br>| Resolved-Received CPA letter confirming review of all tax returns and financials. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.76<br>LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6530002 |
| XXXX | XXXX | 304894076 D A C | Closed | finding-3532 | 2025-12-05 09:55 | 2025-12-11 09:44 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received documentation that borrower received initial CD. Finding Resolved. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. uploaded disclosure tracking showing initial CD received XXXX - Seller-12/10/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. <br> - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. uploaded disclosure tracking showing initial CD received 11/19 - Seller-12/10/2025<br>| Resolved-Received documentation that borrower received initial CD. Finding Resolved. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.76<br>LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6502248 |
| XXXX | XXXX | 305023718 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305030884 C B A | Closed | FCRE1440 | 2025-12-16 16:09 | 2026-01-02 17:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review by management- property in question is owned by the business and not the borrower. Borrower is not personally liable and payment history not needed. Condition resolved. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Not needed due to LLC holds lien, Please escalate for manager review, borrower is not personally liable - Seller-12/30/2025 <br> Counter-Received CD that confirm existing liens. Missing payment history - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Lender notes the investment property mentioned on 3f, XXXX, is owned by the business and borrower is not personally liable for the current or prior mortgages. Please see attached shows New XXXX, payment XXXX taxes and insurance are impounded - Seller-12/17/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing the Housing Information and History for property 3f. Upon receipt, additional conditions maybe required. - Due Diligence Vendor-12/16/2025 | Ready for Review-Not needed due to LLC holds lien, Please escalate for manager review, borrower is not personally liable - Seller-12/30/2025 <br> Ready for Review-Document Uploaded. Lender notes the investment property mentioned on 3f, XXXX is owned by the business and borrower is not personally liable for the current or prior mortgages. Please see attached shows XXXX $1,755,000, payment $14,115.56 taxes and insurance are impounded - Seller-12/17/2025 | Resolved-After further review by management- property in question is owned by the business and not the borrower. Borrower is not personally liable and payment history not needed. Condition resolved. - Due Diligence Vendor-01/02/2026<br>| LTV is less than guideline maximum - LTV is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Max is 50 Borrower has 40.35 Required is 50 Borrower has 40.35 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6650547 |
| XXXX | XXXX | 305030884 C B A | Closed | FCRE1254 | 2025-12-17 07:42 | 2026-01-02 17:36 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-After further review by management, borrower is 100% owner of the business, registered agent information reflects borrower is the Officerm manager and director. condition is resolved - Due Diligence Vendor-01/02/2026 <br> Ready for Review-not required, please escalate for manager review, proof of ownership has been documented - Seller-12/30/2025 <br> Counter-Received Entity Information. Missing Percentage of ownership.<br>- Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Please see attached UT business look up reflects XXXX is owned by Troy Long Enterprises Inc., Borrower assigned to and from owned LLCs - Seller-12/17/2025 <br> Open-Property Title Issue Title current vesting in XXXX, LLC - business information not provided. - Due Diligence Vendor-12/17/2025 | Ready for Review-not required, please escalate for manager review, proof of ownership has been documented - Seller-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached UT business look up reflects XXXX is owned by XXXX., Borrower assigned to and from owned LLCs - Seller-12/17/2025 | Resolved-After further review by management, borrower is 100% owner of the business, registered agent information reflects borrower is the Officerm manager and director. condition is resolved - Due Diligence Vendor-01/02/2026<br>| LTV is less than guideline maximum - LTV is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Max is 50 Borrower has 40.35 Required is 50 Borrower has 40.35 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6658836 |
| XXXX | XXXX | 305030884 C B A | Closed | FCRE0184 | 2025-12-16 16:18 | 2025-12-22 16:38 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Business Certification<br> - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Received Business Certification - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. Please see attached, Business purpose Cert - Seller-12/17/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash Out Letter. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. Please see attached, Business purpose Cert - Seller-12/17/2025<br>| Resolved-Received Business Certification<br> - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - LTV is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Max is 50 Borrower has 40.35 Required is 50 Borrower has 40.35 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6650674 |
| XXXX | XXXX | 305030884 C B A | Closed | FPRO1249 | 2025-12-16 15:37 | 2025-12-19 14:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Originator exception granted for property is 44.59 acres, waiver applied with compactors - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. Please see attached exception used to final approve loan - Seller-12/17/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Subject's Acreage exceeds the guideline maximum of 20 acres. This property is not acceptable, per guidelines. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. Please see attached exception used to final approve loan - Seller-12/17/2025<br>| Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Originator exception granted for property is 44.59 acres, waiver applied with compactors - Due Diligence Vendor-12/19/2025<br>| LTV is less than guideline maximum - LTV is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Max is 50 Borrower has 40.35 Required is 50 Borrower has 40.35 | Fico 744<br> No Housing Lates<br> Using cash back on loan, borrower will have excess reserves | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6650047 |
| XXXX | XXXX | 305029482 C B A | Closed | FCRE1194 | 2025-12-18 09:05 | 2025-12-29 13:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for LTV of 80% >75% max for declining market, applied to non material finding with comp factors - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached exception allowing LTV to go up to 80% - Seller-12/24/2025 <br> Counter-Received matrix. Guideline 8.7 reflects maximum LTV 75% on refis in declining markets. Finding remains. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Disagree, not a valid finding due to XXXX – DSCR does not require an adjustment for declining market and is not a factor. please clear as soon as possible - Seller-12/18/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% The appraisal indicates the subject property is in a declining market. Guidelines require a maximum CLTV of 75% for a refinance in a decling market. The subject loan closed with an 80% LTV/CLTV. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing LTV to go up to 80% - Seller-12/24/2025 <br> Ready for Review-Document Uploaded. Disagree, not a valid finding due to XXXX– DSCR does not require an adjustment for declining market and is not a factor. please clear as soon as possible - Seller-12/18/2025 | Waived-Originator provided a waiver for LTV of 80% >75% max for declining market, applied to non material finding with comp factors - Due Diligence Vendor-12/29/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75. Borrower has 1.089. Required is 0.75 Borrower has 1.089<br>Months Reserves exceed minimum required - Minimum 6 months reserves required. Borrower has 108.41 months of reserves. | Reserves: 3+ months above minimum verified<br> DSCR 1.089 > 0.75 minimum required. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6681264 |
| XXXX | XXXX | 305029482 C B A | Closed | FCRE1206 | 2025-12-18 08:38 | 2025-12-22 14:46 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM clearance on settlement agent. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. please see attached no matches found for settlement agent - Seller-12/18/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Settlement Agent to be added to the loan participants list. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. please see attached no matches found for settlement agent - Seller-12/18/2025<br>| Resolved-Received SAM clearance on settlement agent. - Due Diligence Vendor-12/22/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75. Borrower has 1.089. Required is 0.75 Borrower has 1.089<br>Months Reserves exceed minimum required - Minimum 6 months reserves required. Borrower has 108.41 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6680884 |
| XXXX | XXXX | 305029401 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305029451 C A | Closed | FCRE0179 | 2025-12-19 09:24 | 2025-12-22 13:00 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received warranty attestation. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/19/2025 <br>Open-UW Attestation/Docs stating warrantability are missing. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/19/2025<br>| Resolved-Received warranty attestation. - Due Diligence Vendor-12/22/2025<br>| Months Reserves exceed minimum required - 80.1 mos reserves; 0 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.036 Required is 0 Borrower has 1.036 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6703186 |
| XXXX | XXXX | 305029499 D A C | Closed | FPRO1242 | 2025-12-18 08:28 | 2026-02-23 16:05 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received 1004 with explanation for comps. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see attached and refer to page 16 of the PDF for the comments. - Seller-01/08/2026 <br> Counter-Received appraisal. Comparables are over 12 months old. Appraisal reflects 15 sales within 12 months yet comparable 1 and 2 are over 12 months. Appraiser to provide acceptable clarification on dated comparables. additional conditions may apply - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/18/2025 <br> Open-Appraisal is Missing Finding added: Provide full appraisal dated XXXX for review. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. Please see attached and refer to page 16 of the PDF for the comments. - Seller-01/08/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/18/2025<br>| Resolved-Received 1004 with explanation for comps. - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73 Required is 50 Borrower has 31.73<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 Required is 680 Borrower has 708 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6680732 |
| XXXX | XXXX | 305029499 D A C | Closed | FPRO1144 | 2025-12-19 14:11 | 2026-01-12 13:29 | Resolved | 1 - Information C A | Property | Appraisal | 1004D Completion Report is not on an as-is basis | Resolved-Received updated 1004d - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/08/2026 <br>Open-New. 1004 D indicate electricity turned off and no effective date of report. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/08/2026<br>| Resolved-Received updated 1004d - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73 Required is 50 Borrower has 31.73<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 Required is 680 Borrower has 708 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6710993 |
| XXXX | XXXX | 305029499 D A C | Closed | FCOM0012 | 2025-12-18 10:45 | 2025-12-19 14:14 | Resolved | 1 - Information C A | Compliance | TRID | Missing the appraisal due to HPML | Resolved-Received full appraisal - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/18/2025 <br>Open-Full appraisal missing from file - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/18/2025<br>| Resolved-Received full appraisal - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.73 Required is 50 Borrower has 31.73<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 708 Required is 680 Borrower has 708 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6683397 |
| XXXX | XXXX | 305029502 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305029420 B A | Closed | FCRE1193 | 2025-12-19 15:21 | 2025-12-30 16:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator waiver applied to non-material finding with compensating factors- allow the use of the ADU rent income on a primary - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the use of ADU Rental Income for qualifying. - Seller-12/24/2025 <br>Open-Audited DTI of 52.69% exceeds Guideline DTI of 45% DTI is excessive @ 52.69% (Lender used subject ADU rents of $3,750/m in qualifying. Per Lender Guides (7.2), Purchase: Owner-Occupied/2nd Home: Income from the accessory unit may not be used as qualifying income). - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing the use of ADU Rental Income for qualifying. - Seller-12/24/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors- allow the use of the ADU rent income on a primary - Due Diligence Vendor-12/30/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $10,015.06 in Residual Income which is =/> 1.5 times $3,500 monthly residual income<br>Credit history exceeds minimum required - Borrower has 0x30 credit reporting since 9.2019. | 0x30x24 credit history- no delinquencies<br> residual income is greater that 1.5 times/$3500.00 monthly income | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6713387 |
| XXXX | XXXX | 305029419 C B A | Closed | FCRE6844 | 2025-12-22 08:07 | 2026-01-07 15:29 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received updated Gift Letter and Receipt of Transfer - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. You should have this already, Please see page 342 and page 679 of the initial packet uploaded. also attached again<br> - Seller-01/05/2026 <br> Counter-Received gift letter and SOS. Missing proof of receipt of funds. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. please see attached correct gift letter with corrected donor - Seller-12/23/2025 <br> Open-Document proof of receipt for Gift XXXX - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. You should have this already, Please see page 342 and page 679 of the initial packet uploaded. also attached again<br> - Seller-01/05/2026 <br>Ready for Review-Document Uploaded. please see attached correct gift letter with corrected donor - Seller-12/23/2025<br>| Resolved-Received updated Gift Letter and Receipt of Transfer - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.43 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6731353 |
| XXXX | XXXX | 305029419 C B A | Closed | finding-3540 | 2025-12-18 10:27 | 2025-12-24 08:41 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. Lender notes per Tracking system the finding for CD dated XXXX does not exist. Please see attached and clear finding - Seller-12/22/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----CD XXXX is not signed and there is no evidence of when it was provided to borrower. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. Lender notes per Tracking system the finding for CD dated XXXX does not exist. Please see attached and clear finding - Seller-12/22/2025 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.43 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6682994 |
| XXXX | XXXX | 305029419 C B A | Closed | FCRE1198 | 2025-12-22 08:00 | 2025-12-22 14:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with comp factors. Deemed non material due to reserves short by less than 1 month.<br> - Due Diligence Vendor-12/22/2025 <br>Open-Audited Reserves of 8.28 month(s) are less than Guideline Required Reserves of 9 month(s) Short Reserves - Due Diligence Vendor-12/22/2025 |  | Waived-Originator waiver applied to non material finding with comp factors. Deemed non material due to reserves short by less than 1 month.<br> - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.43 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6731287 |
| XXXX | XXXX | 305029483 D A | Closed | FCRE0108 | 2025-12-22 09:46 | 2025-12-29 13:44 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Master policy reflecting Fidelity coverage. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/23/2025 <br>Open-Fidelity Coverage not met. Policy does not reflect Fidelity coverage - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/23/2025<br>| Resolved-Received Master policy reflecting Fidelity coverage. - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6733002 |
| XXXX | XXXX | 305029483 D A | Closed | FCRE0700 | 2025-12-22 12:37 | 2025-12-24 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received signed Final CD. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/22/2025 <br>Open-Missing executed document by borrower - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/22/2025<br>| Resolved-Received signed Final CD. - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6738466 |
| XXXX | XXXX | 305029488 D A | Closed | FCRE1316 | 2025-12-22 13:49 | 2025-12-30 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received SOS confirming business active. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX SOS Business Search done on XXXX at 3:51 pm showing XXXX is active. Please clear this finding or escalate to management.<br> - Seller-12/28/2025 <br> Counter-Received Articles of Incorp. Missing VVOE prior to close. Documentation in file does not reflect date searched or printed. PRovide VVOE. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. I disagree. Please note that the qualifying income for this loan was based on the standard fixed expense ratio factor of 50% thus a CPA letter is not required. Section 7.1.1 Business Bank statements shows Qualifying income will be determined based on one of the following calculations below – <br> • Standard fixed expense ratio factor of 50% or; <br> • ▪ Fixed expense ratio factor as provided by a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer, PTIN, or a Tax Attorney. The Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer, PTIN, or a Tax Attorney must attest that they have reviewed the business financial statements or working papers provided by the borrower. Please clear this finding. <br> - Seller-12/23/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing CPA letter not found in upload - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Please see attached XXXX SOS Business Search done on 12-28 at 3:51 pm showing XXXX is active. Please clear this finding or escalate to management.<br> - Seller-12/28/2025 <br> Ready for Review-Document Uploaded. I disagree. Please note that the qualifying income for this loan was based on the standard fixed expense ratio factor of 50% thus a CPA letter is not required. Section 7.1.1 Business Bank statements shows Qualifying income will be determined based on one of the following calculations below – <br> • Standard fixed expense ratio factor of 50% or; <br> • ▪ Fixed expense ratio factor as provided by a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer, PTIN, or a Tax Attorney. The Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer, PTIN, or a Tax Attorney must attest that they have reviewed the business financial statements or working papers provided by the borrower. Please clear this finding. <br> - Seller-12/23/2025 | Resolved-Received SOS confirming business active. - Due Diligence Vendor-12/30/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrower has 16.22 months reserves<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 5.31 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6742949 |
| XXXX | XXXX | 305030838 D A | Closed | FCOM1231 | 2025-12-22 08:20 | 2025-12-30 09:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received the Initial 1003. Finding Resolved. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. 1003 uploaded - Seller-12/26/2025 <br>Open-The Initial 1003 is Missing Provide missing initial application. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. 1003 uploaded - Seller-12/26/2025<br>| Resolved-Received the Initial 1003. Finding Resolved. - Due Diligence Vendor-12/30/2025<br>| Months Reserves exceed minimum required - Guideline 6 months; 19.92 Verified.<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 31.35%. Required is 50 Borrower has 31.35 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6731460 |
| XXXX | XXXX | 305029385 D B A | Closed | FCRE1506 | 2025-12-25 03:08 | 2026-02-23 12:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Lender waived the credit finding. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please see attached approved exception request form to use 3 months reserves. - Seller-01/02/2026 <br>Counter-Pending receipt of additional reserves. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. Please see attached Income Calculation Worksheet. No issues found. - Seller-12/26/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending Income validation to determine ATR. - Due Diligence Vendor-12/25/2025 | Ready for Review-Document Uploaded. Please see attached approved exception request form to use 3 months reserves. - Seller-01/02/2026 <br>Ready for Review-Document Uploaded. Please see attached Income Calculation Worksheet. No issues found. - Seller-12/26/2025<br>| Resolved-Lender waived the credit finding. - Due Diligence Vendor-01/06/2026<br>| Qualifying DTI below maximum allowed - .DTI Required is 50% Borrower has43.18%. Required is 50 Borrower has 43.18<br>Credit history exceeds minimum required - 0x30 credit history for the past 6 years. <br>Residual Income =/> 1.5 times $3,500 monthly residual income - $5,459.59 Residual Income |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6802576 |
| XXXX | XXXX | 305029385 D B A | Closed | FCRE1198 | 2025-12-25 03:18 | 2026-01-06 14:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Please see attached approved exception request form to use 3 months reserves. - Seller-01/02/2026 <br> Counter-Borrower is a FTHB. 6 months reserves required. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. I disagree. XXXX Matrix only requires 3 months reserves for loan amounts less than $1M . THIs file has a loan amount of XXXX and monthly PITIA of XXXX. multiplied by 3 mos. required reserves is XXXX. Total Verified funds is XXXX. Cash to Close from Borrower is XXXX. Total funds required isXXXX + XXXX= XXXX. This loan more than meets the required reserves of 3 months. No issues found. - Seller-12/26/2025 <br> Open-Audited Reserves of 4.83 month(s) are less than Guideline Required Reserves of 6 month(s) Need sufficient funds to cover the 6 months of reserves. - Due Diligence Vendor-12/25/2025 | Ready for Review-Document Uploaded. Please see attached approved exception request form to use 3 months reserves. - Seller-01/02/2026 <br> Ready for Review-Document Uploaded. I disagree. XXXX Matrix only requires 3 months reserves for loan amounts less than $XXXX . THIs file has a loan amount of XXXX and monthly PITIA of XXXX. multiplied by 3 mos. required reserves is $XXXX. Total Verified funds is XXXX. Cash to Close from Borrower is XXXX. Total funds required is XXXX + XXXX =XXXX. This loan more than meets the required reserves of 3 months. No issues found. - Seller-12/26/2025 | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-01/06/2026<br>| Qualifying DTI below maximum allowed - .DTI Required is 50% Borrower has43.18%. Required is 50 Borrower has 43.18<br>Credit history exceeds minimum required - 0x30 credit history for the past 6 years. <br>Residual Income =/> 1.5 times $3,500 monthly residual income - $5,459.59 Residual Income | DTI <5% max allowed<br> 0x30 credit history | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6802584 |
| XXXX | XXXX | 305029385 D B A | Closed | FCRE1316 | 2025-12-24 12:51 | 2025-12-30 15:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Tax Preparer letter. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. VOE Self-employment from CPA is dated XXXX, meets 10 days requirement for VOE Self-employment since closing date is XXXX. No issues found. - Seller-12/26/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provie missing Verification of Employment , CPA Letter or Business Licenses - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. VOE Self-employment from CPA is dated XXXX, meets 10 days requirement for VOE Self-employment since closing date is XXXX. No issues found. - Seller-12/26/2025 | Resolved-Received Tax Preparer letter. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - .DTI Required is 50% Borrower has43.18%. Required is 50 Borrower has 43.18<br>Credit history exceeds minimum required - 0x30 credit history for the past 6 years. <br>Residual Income =/> 1.5 times $3,500 monthly residual income - $5,459.59 Residual Income |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6792430 |
| XXXX | XXXX | 305029385 D B A | Closed | FCRE1325 | 2025-12-25 03:06 | 2025-12-30 15:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Tax Preparer letter. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. Please see attached CPA letter showing 15% Business Expense factor. - Seller-12/26/2025 <br>Open-Borrower 1 CPA Letter Missing CPA Letter to provide Business Expenses Factor. - Due Diligence Vendor-12/25/2025 | Ready for Review-Document Uploaded. Please see attached CPA letter showing 15% Business Expense factor. - Seller-12/26/2025<br>| Resolved-Received Tax Preparer letter. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - .DTI Required is 50% Borrower has43.18%. Required is 50 Borrower has 43.18<br>Credit history exceeds minimum required - 0x30 credit history for the past 6 years. <br>Residual Income =/> 1.5 times $3,500 monthly residual income - $5,459.59 Residual Income |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6802567 |
| XXXX | XXXX | 305029385 D B A | Closed | FCRE7806 | 2025-12-25 02:49 | 2025-12-30 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement calculation worksheet. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. Please see attached Income Calculation worksheet. Business expense of 15% was used for qualifying income. 7.1.1 Business Bank Statements states qualifying income will be determined based on one of the following calculations wherein one of them is a Minimum 10% expense factor. No issues found. - Seller-12/26/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing Bank Statement worksheet, income calculated by originator of 15,411.98 is extremely higher and not supported. - Due Diligence Vendor-12/25/2025 | Ready for Review-Document Uploaded. Please see attached Income Calculation worksheet. Business expense of 15% was used for qualifying income. 7.1.1 Business Bank Statements states qualifying income will be determined based on one of the following calculations wherein one of them is a Minimum 10% expense factor. No issues found. - Seller-12/26/2025<br>| Resolved-Received Bank Statement calculation worksheet. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - .DTI Required is 50% Borrower has43.18%. Required is 50 Borrower has 43.18<br>Credit history exceeds minimum required - 0x30 credit history for the past 6 years. <br>Residual Income =/> 1.5 times $3,500 monthly residual income - $5,459.59 Residual Income |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6802551 |
| XXXX | XXXX | 305029485 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305029444 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305029487 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305029413 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304894172 C B A | Closed | FCRE1506 | 2025-12-30 09:26 | 2026-01-02 11:57 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing credit documentation. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Please see uploaded sept. payment. - Seller-12/31/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. The loan file is missing proof of XXXX mortgage payment. - Due Diligence Vendor-12/30/2025 | Ready for Review-Please see uploaded sept. payment. - Seller-12/31/2025<br>| Resolved-Received missing credit documentation. - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6850505 |
| XXXX | XXXX | 304894172 C B A | Closed | FCRE1198 | 2025-12-30 00:18 | 2026-01-02 11:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. Please see uploaded exception approval. - Seller-12/31/2025 <br>Open-Audited Reserves of 5.28 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Please see uploaded exception approval. - Seller-12/31/2025<br>| Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 | LTV > 10% below maximum<br> Ratios < 43%<br> minimal consumer debt<br> Residual Income > 3k<br> FICO > 10pts above requirement. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6846102 |
| XXXX | XXXX | 304894172 C B A | Closed | FCRE1440 | 2025-12-29 23:58 | 2026-01-02 10:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Sept payment. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Please see uploaded XXXX. payment. - Seller-12/31/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The loan file is missing proof of XXXX mortgage payment. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Please see uploaded Sept. payment. - Seller-12/31/2025<br>| Resolved-Received Sept payment. - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6845978 |
| XXXX | XXXX | 305029338 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305030824 C A | Closed | FCRE0105 | 2025-12-30 18:00 | 2026-01-07 18:07 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received Report. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Please see attached. A finalized or stamped structural engineering report is not required. The completed questionnaire and addendum specifically address structural safety and condition at the association level. See condo questionnaire addendum 1-12:<br> - The HOA reports no known deficiencies related to safety, soundness, structural integrity, or habitability of the project buildings.<br> - There are no outstanding or anticipated code violations related to structural safety.<br> - No prior inspections identified structural issues, and no open repair items impacting safety were disclosed.<br> - The HOA confirms a funding plan and reserve schedule for maintenance components.<br>These representations are exactly what the Fannie Mae addendum are designed to capture and rely upon for project eligibility. The agencies do not require lenders to independently obtain or validate a separate structural engineering report when the HOA has certified these items via the standardized questionnaire and addendum. <br>With respect to XXXX milestone inspection and SIRS statutes, those requirements apply to HOA compliance, not mortgage eligibility. A SIRS report is not required for lending purposes however, the presence of a SIRS in the file labeled as "draft" is acceptable and does not impact project eligibility.<br> - Seller-01/05/2026 <br> Open-The file does not contain the required structural engineer report per state law. Provide Missing Structural Report. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Please see attached. A finalized or stamped structural engineering report is not required. The completed questionnaire and addendum specifically address structural safety and condition at the association level. See condo questionnaire addendum 1-12:<br> - The HOA reports no known deficiencies related to safety, soundness, structural integrity, or habitability of the project buildings.<br> - There are no outstanding or anticipated code violations related to structural safety.<br> - No prior inspections identified structural issues, and no open repair items impacting safety were disclosed.<br> - The HOA confirms a funding plan and reserve schedule for maintenance components.<br>These representations are exactly what the XXXX addendum are designed to capture and rely upon for project eligibility. The agencies do not require lenders to independently obtain or validate a separate structural engineering report when the HOA has certified these items via the standardized questionnaire and addendum. <br>With respect to XXXX milestone inspection and SIRS statutes, those requirements apply to HOA compliance, not mortgage eligibility. A SIRS report is not required for lending purposes however, the presence of a SIRS in the file labeled as "draft" is acceptable and does not impact project eligibility.<br> - Seller-01/05/2026 | Resolved-Received Report. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 767. Required is 660 Borrower has 809<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 69.07%. Required is 75 Borrower has 69.07 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6862311 |
| XXXX | XXXX | 305029415 D A | Closed | FCRE7497 | 2025-12-31 14:35 | 2026-01-12 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI. No mortgagee. Updated calculation. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please see attached. Please note the absence of a Mortgagee clause on the HOI indicating the property is F/C. - Seller-01/08/2026 <br>Open-REO Property B on loan application: Lender to provide missing HOI statement verifying annual HOI premium and subject is owned F&C. Additional conditions may apply, pending review. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Please see attached. Please note the absence of a Mortgagee clause on the HOI indicating the property is F/C. - Seller-01/08/2026<br>| Resolved-Received HOI. No mortgagee. Updated calculation. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - Required is 55 Borrower has 43.75<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 8.51 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6879809 |
| XXXX | XXXX | 305029415 D A | Closed | FCOM1262 | 2025-12-30 17:33 | 2026-01-05 08:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received Right of Rescission. Finding Resolved. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026 <br>Open-Right of Rescission is Missing Provide the executed Right of Recission.<br> - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026<br>| Resolved-Received Right of Rescission. Finding Resolved. - Due Diligence Vendor-01/05/2026<br>| LTV is less than guideline maximum - Required is 55 Borrower has 43.75<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 8.51 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6862038 |
| XXXX | XXXX | 305030845 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305029449 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305030795 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305029513 C A | Closed | FCRE0197 | 2026-01-02 10:54 | 2026-01-06 14:48 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/02/2026 <br>Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/02/2026<br>| Resolved-Received Seller CD - Due Diligence Vendor-01/06/2026<br>| Months Reserves exceed minimum required - 7.92 > 6 required<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 44.04 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6894283 |
| XXXX | XXXX | 305029513 C A | Closed | finding-3352 | 2025-12-31 11:50 | 2026-01-05 14:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Upon further review loan qualifies as HPML. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section 12.4, the closing docs confirms loan closed as a HPML, file contains full appraisal and escrows are not waived.<br> - Seller-01/02/2026 <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. -----Statute of limitations – One year; Expiration date: XXXX. - Due Diligence Vendor-12/31/2025 | Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section 12.4, the closing docs confirms loan closed as a HPML, file contains full appraisal and escrows are not waived.<br> - Seller-01/02/2026<br>| Resolved-Upon further review loan qualifies as HPML. - Due Diligence Vendor-01/05/2026<br>| Months Reserves exceed minimum required - 7.92 > 6 required<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 44.04 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6876167 |
| XXXX | XXXX | 305029368 C B A | Closed | FCRE1198 | 2025-12-31 16:57 | 2026-01-09 09:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver to approve with 5 months reserve, applied to non material finding with comp factors - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 5 months in reserves - Seller-01/07/2026 <br>Open-Audited Reserves of 5.52 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 5 months in reserves - Seller-01/07/2026<br>| Waived-Originator provided a waiver to approve with 5 months reserve, applied to non material finding with comp factors - Due Diligence Vendor-01/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.26<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 752 | Qualifying FICO score is at least 20 points above minimum for program\*<br> DTI is 5% less than guideline maximum | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6882382 |
| XXXX | XXXX | 305030877 C B A | Closed | finding-3634 | 2025-12-30 19:18 | 2026-01-08 08:31 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. CURE DOCS UPLOADED - Seller-01/07/2026 <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 $29.29.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $29.29. (Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $29.29., post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year; Expiration Date: XXXX.<br> - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. CURE DOCS UPLOADED - Seller-01/07/2026<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/08/2026 | Qualifying DTI below maximum allowed - Maximum DTI allowed is 50.49%. Borrower has 42.48%. Required is 50.49 Borrower has 42.48<br>On time mortgage history exceeds guideline requirement - Guidelines require 0x30x12. Borrower has 0x30x36. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6862763 |
| XXXX | XXXX | 305030877 C B A | Closed | FCRE1198 | 2025-12-31 15:42 | 2026-01-06 16:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated matrix provided, 6 months of reserves required. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-We respectfully disagree Matrix is based on the Lock Date. Please escalate and/or clear the finding accordingly. - Seller-01/05/2026 <br>Counter-Matrix based on application date. 12 months reserves required. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached Matrix. Per the Matrix, required reserves are 6 month(s) @ 90%. The borrower had 6.3 months reserves after closing. - Seller-01/02/2026 <br>Open-Audited Reserves of 6.6 month(s) are less than Guideline Required Reserves of 12 month(s) Audited Reserves of 5.06 month(s) are less than Guideline Required Reserves of 12 month(s) required for a 90% LTV. - Due Diligence Vendor-12/31/2025 | Ready for Review-We respectfully disagree Matrix is based on the Lock Date. Please escalate and/or clear the finding accordingly. - Seller-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached Matrix. Per the Matrix, required reserves are 6 month(s) @ 90%. The borrower had 6.3 months reserves after closing. - Seller-01/02/2026<br>| Resolved-Updated matrix provided, 6 months of reserves required. - Due Diligence Vendor-01/06/2026<br>| Qualifying DTI below maximum allowed - Maximum DTI allowed is 50.49%. Borrower has 42.48%. Required is 50.49 Borrower has 42.48<br>On time mortgage history exceeds guideline requirement - Guidelines require 0x30x12. Borrower has 0x30x36. | Audited Reserves of 5.06 month(s) are less than Guideline Required Reserves of 12 month(s) @ 90%. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6881059 |
| XXXX | XXXX | 305030877 C B A | Closed | FCRE1481 | 2025-12-31 17:35 | 2026-01-05 14:41 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received title confirmation of gift funds $45,101.34. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026 <br>Open-Asset Record 3 Does Not Meet G/L Requirements Provide evidence the gift funds were wired to closing. Loan file only contains a gift letter and no other documentation. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026<br>| Resolved-Received title confirmation of gift funds $45,101.34. - Due Diligence Vendor-01/05/2026<br>| Qualifying DTI below maximum allowed - Maximum DTI allowed is 50.49%. Borrower has 42.48%. Required is 50.49 Borrower has 42.48<br>On time mortgage history exceeds guideline requirement - Guidelines require 0x30x12. Borrower has 0x30x36. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6883048 |
| XXXX | XXXX | 305029363 C A | Closed | FCRE0184 | 2025-12-31 18:30 | 2026-01-05 14:53 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received business purpose affidavit. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Please waive as the file contains the executed business purpose affidavit and the XXXX guide does not require cash out letters. - Seller-01/02/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Provide Missing Cash out letter. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Please waive as the file contains the executed business purpose affidavit and the XXXX guide does not require cash out letters. - Seller-01/02/2026 | Resolved-Received business purpose affidavit. - Due Diligence Vendor-01/05/2026<br>| Verified employment history exceeds guidelines - The Borrower has been Self Employed for 9 years.<br>Qualifying DTI below maximum allowed - DTI Required is 50.49% Borrower has 36.90%. Required is 50.49 Borrower has 36.9 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6884093 |
| XXXX | XXXX | 305029418 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305029504 D A | Closed | FCRE7009 | 2025-12-31 15:50 | 2026-01-07 18:13 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received replacement cost estimate. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Hazard insurance dwelling coverage is not sufficient - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026<br>| Resolved-Received replacement cost estimate. - Due Diligence Vendor-01/05/2026<br>| Long term residence - Borrower at current residence for 3+ years<br>Months Reserves exceed minimum required - Reserves = 34 months – Required Reserves = 6 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6881244 |
| XXXX | XXXX | 305029504 D A | Closed | FCRE1172 | 2025-12-31 15:50 | 2026-01-07 18:13 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Minimum Coverage Not Met | Resolved-Received Flood Insurance and the RCE was located in the loan file. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-The replacement cost estimate was previously uploaded and cleared for the $150,000. Please escalate and/or clear finding accordingly.<br> - Seller-01/05/2026 <br>Counter-Received duplicate coverage of $150k. Insufficient coverage. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026 <br>Open-Flood Insurance Coverage Amount does not meet minimum required coverage amount Flood Insurance Minimum Coverage Not Met - Due Diligence Vendor-12/31/2025 | Ready for Review-The replacement cost estimate was previously uploaded and cleared for the $150,000. Please escalate and/or clear finding accordingly.<br> - Seller-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026<br>| Resolved-Received Flood Insurance and the RCE was located in the loan file. - Due Diligence Vendor-01/07/2026<br>| Long term residence - Borrower at current residence for 3+ years<br>Months Reserves exceed minimum required - Reserves = 34 months – Required Reserves = 6 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6881245 |
| XXXX | XXXX | 305029504 D A | Closed | FCRE1165 | 2025-12-31 15:50 | 2026-01-07 18:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Received invoice. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026 <br>Open-Flood Insurance Policy Partially Provided AGENT ONLY PROVIDED FLOOD INSURANCE PREMIUM. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026<br>| Resolved-Received invoice. - Due Diligence Vendor-01/05/2026<br>| Long term residence - Borrower at current residence for 3+ years<br>Months Reserves exceed minimum required - Reserves = 34 months – Required Reserves = 6 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6881246 |
| XXXX | XXXX | 305029458 C A | Closed | FCRE1206 | 2026-01-02 13:54 | 2026-02-23 19:08 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Ready for Review-Invalid, XXXX and Title Services of the XXXX and the respective licenses were included in the reported uploaded on XXXX . Please escalate and/or clear the finding. - Seller-01/12/2026 <br> Counter-No new document provided. Missing proof Settlement agent included in All list of participants checked. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Invalid, XXXX and Title Services of the XXXX and the respective licenses were included in the reported uploaded on XXXX . Please escalate and/or clear the finding. - Seller-01/08/2026 <br> Counter-No new document provided. Guideline require proof participants are checked against all list. Only confirmation of one list provided. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Invalid, XXXX and Title Services of the XXXX and the respective licenses were included in the uploaded report. Please clear the finding. - Seller-01/06/2026 <br> Counter-Received Sam. Missing proof Settlement agent included in list of participants checked. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Received Sam. Missing proof Settlement agent included in list of participants checked. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and settlement agent to be added to the loan participant list. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Ready for Review-Invalid, XXXX and Title Services of the XXXX and the respective licenses were included in the reported uploaded on XXXX . Please escalate and/or clear the finding. - Seller-01/12/2026 <br> Ready for Review-Invalid, XXXX and Title Services of the XXXX and the respective licenses were included in the reported uploaded on XXXX . Please escalate and/or clear the finding. - Seller-01/08/2026 <br> Ready for Review-Invalid, XXXX and Title Services of the XXXX and the respective licenses were included in the uploaded report. Please clear the finding. - Seller-01/06/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026 | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 763. Required is 720 Borrower has 763<br>Credit history exceeds minimum required - Guidelines require at least 3 tradelines reporting for12 months or 2 reporting for 24 months. Borrower has multiple tradelines with 0x30 reporting 64 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6899620 |
| XXXX | XXXX | 304897220 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305029369 C A | Closed | FCRE0105 | 2026-01-05 12:01 | 2026-02-23 19:09 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received Structural report. Unit 209 noted on pg 48. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Received Structural report. Unit 209 noted on pg 48. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/06/2026 <br>Open-The file does not contain the required structural engineer report per state law. Missing the required structural engineering report. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/06/2026<br>| Resolved-Received Structural report. Unit XXXX noted on pg 48. - Due Diligence Vendor-02/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 Required is 660 Borrower has 778<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 23.89 Required is 45 Borrower has 23.89<br>LTV is less than guideline maximum - Required is 70 Borrower has 50 Required is 70 Borrower has 50 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6916799 |
| XXXX | XXXX | 305029369 C A | Closed | FCRE0179 | 2026-01-02 18:55 | 2026-01-08 08:33 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008 with UW Attestation to Warrantability - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. UW attestation is on the 1008. Please refer to the 1008 delivered with the loan file and attached herein. - Seller-01/05/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Missing the lender attestation stating the condo warrantability. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. UW attestation is on the 1008. Please refer to the 1008 delivered with the loan file and attached herein. - Seller-01/05/2026<br>| Resolved-Received 1008 with UW Attestation to Warrantability - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 Required is 660 Borrower has 778<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 23.89 Required is 45 Borrower has 23.89<br>LTV is less than guideline maximum - Required is 70 Borrower has 50 Required is 70 Borrower has 50 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6903848 |
| XXXX | XXXX | 305029369 C A | Closed | FPRO9999 | 2026-01-05 11:32 | 2026-01-07 15:49 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, litigation is being funded and tendered defense by the insurance carrier- Condition resolved - Due Diligence Vendor-01/07/2026 <br> Ready for Review-We respectfully contend that if the second litigation(XXXX) states the insurance carrier has tendered a defense that means the carrier is funding the defense otherwise they would not tender a defense. - Seller-01/05/2026 <br> Open-The condo project has pending litigation. Per the questionnaire the HOA is involved in 2 pending litigations. First litigation(XXXX) states is being funded by the condo insurance carrier. Second litigation(XXXX) states the insurance carrier has tendered defense however does not state the insurance carrier if funding the defense. - Due Diligence Vendor-01/05/2026 | Ready for Review-We respectfully contend that if the second litigation(case XXXX) states the insurance carrier has tendered a defense that means the carrier is funding the defense otherwise they would not tender a defense. - Seller-01/05/2026 | Resolved-After further review, litigation is being funded and tendered defense by the insurance carrier- Condition resolved - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 Required is 660 Borrower has 778<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 23.89 Required is 45 Borrower has 23.89<br>LTV is less than guideline maximum - Required is 70 Borrower has 50 Required is 70 Borrower has 50 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6916182 |
| XXXX | XXXX | 305029516 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305029472 D A | Closed | FCRE6019 | 2026-01-02 15:10 | 2026-01-26 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received snapshot of 1003 country of origin XXXX - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Please see attached snapshot showing the borrower's nationality. Info is recorded in our system; however, does not transfer to the 1003 - Seller-01/22/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Counter-No new document provided. Missing country of origin. XXXX be noted on 1003 or passport acceptable. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Please escalate for manager review, Requirements have been met for NON QM Guidelines re: ITIN borrower - Seller-01/17/2026 <br> Counter-Received iTIN and photo ID. Missing country of origin. XXXX be noted on 1003 or passport acceptable. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Lender notes Borrower meets NON QM guidelines Section 2.1, Please see attached supporting docs and highlighted guideline sections. - Seller-01/09/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing citizenship documentation. - Due Diligence Vendor-01/02/2026 | Ready for Review-Please see attached snapshot showing the borrower's nationality. Info is recorded in our system; however, does not transfer to the 1003 - Seller-01/22/2026 <br>Ready for Review-Document Uploaded. - Seller-01/22/2026 <br>Ready for Review-Please escalate for manager review, Requirements have been met for NON QM Guidelines re: ITIN borrower - Seller-01/17/2026 <br>Ready for Review-Lender notes Borrower meets NON QM guidelines Section 2.1, Please see attached supporting docs and highlighted guideline sections. - Seller-01/09/2026<br>| Resolved-Received snapshot of 1003 country of origin XXXX - Due Diligence Vendor-01/26/2026 | LTV is less than guideline maximum - LTV is less than guideline maximum Required is 80 Borrower has 64.94<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 660 Borrower has 715<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 6.72 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6901109 |
| XXXX | XXXX | 305029472 D A | Closed | FCRE5790 | 2026-01-05 10:48 | 2026-01-07 13:27 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Fraud Report UDM updated XXXX - within 10 Days of Closing - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Lender notes the DataVerify was last updated XXXX and Note was signed on XXXX "Closing Date" is within 10 days requirement. Please clear - Seller-01/05/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Drive reported is dated XXXX note date is XXXX - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Lender notes the DataVerify was last updated XXXX and Note was signed on XXXX "Closing Date" is within 10 days requirement. Please clear - Seller-01/05/2026 | Resolved-Fraud Report UDM updated XXXX - within 10 Days of Closing - Due Diligence Vendor-01/07/2026 | LTV is less than guideline maximum - LTV is less than guideline maximum Required is 80 Borrower has 64.94<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 660 Borrower has 715<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 6.72 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6914458 |
| XXXX | XXXX | 305029472 D A | Closed | FCRE4989 | 2026-01-05 09:57 | 2026-01-07 13:27 | Resolved | 1 - Information C A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Received Title Supp and Settlement Statement - Delinquent Taxes Paid at Closing - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. Please see attached Prelim supplement used to final approve loan - Seller-01/06/2026 <br>Open-VEREIFY ALL PAST DUE TAXES ARE PAID IN FULL AS PER TITLE EXCEEPTOIN #2 PAGE 4 OF TITLE WORK. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Please see attached Prelim supplement used to final approve loan - Seller-01/06/2026<br>| Resolved-Received Title Supp and Settlement Statement - Delinquent Taxes Paid at Closing - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 80 Borrower has 64.94<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 660 Borrower has 715<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 6.72 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6913288 |
| XXXX | XXXX | 305029472 D A | Closed | FCRE1254 | 2026-01-05 09:55 | 2026-01-07 13:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Title Supp and Settlement Statement - Delinquent Taxes Paid at Closing - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. Please see attached taxes paid at closing reflect on settlement statement. <br> - Seller-01/06/2026 <br>Open-Property Title Issue Provide judgement and lien affidavit. Per page 5 of title. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Please see attached taxes paid at closing reflect on settlement statement. <br> - Seller-01/06/2026<br>| Resolved-Received Title Supp and Settlement Statement - Delinquent Taxes Paid at Closing - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 80 Borrower has 64.94<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 660 Borrower has 715<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 6.72 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6913240 |
| XXXX | XXXX | 305029393 C A | Closed | FCRE1506 | 2026-01-05 18:17 | 2026-01-12 13:20 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received rent free letter. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Not a valid counter - The loan Application shows time period at current residence, and Rent free letter meets the NON QM Guidelines "as is". Also, Please read NON QM Guidelines section 4.7 - Seller-01/09/2026 <br>Counter-Received rent free letter and property profile. Letter did not include dates. Finding remains. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Please see attached Rent free letter and property profile reflects owner is same person stating lives rent free. - Seller-01/06/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borrower stated he is living rent free with no housing expense. A rent-free letter must be provided. The signor must be the owner of the property or lessee of the property and must provide evidence of ownership or lease. The rent free letter in the loan file was written by the borrower. Additional findings may apply. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Not a valid counter - The loan Application shows time period at current residence, and Rent free letter meets the NON QM Guidelines "as is". Also, Please read NON QM Guidelines section 4.7 - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. Please see attached Rent free letter and property profile reflects owner is same person stating lives rent free. - Seller-01/06/2026<br>| Resolved-Received rent free letter. - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.15 Required is 50 Borrower has 26.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782 Required is 680 Borrower has 782 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6923893 |
| XXXX | XXXX | 305029393 C A | Closed | FCRE1440 | 2026-01-05 18:11 | 2026-01-12 13:18 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter and proof of ownership - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Not a valid counter - The loan Application shows time period at current residence, and Rent free letter meets the NON QM Guidelines "as is". Also, Please read NON QM Guidelines section 4.7 - Seller-01/09/2026 <br>Counter-Received Rent free letter and property profile. Letter did not confirm dates. Finding remains. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Please see attached Rent free letter and property profile reflects owner is same person stating lives rent free. - Seller-01/06/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower stated he is living rent free with no housing expense. A rent-free letter must be provided. The signor must be the owner of the property or lessee of the property and must provide evidence of ownership or lease. The rent free letter in the loan file was written by the borrower. Additional findings may apply. - Due Diligence Vendor-01/05/2026 | Ready for Review-Not a valid counter - The loan Application shows time period at current residence, and Rent free letter meets the NON QM Guidelines "as is". Also, Please read NON QM Guidelines section 4.7 - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. Please see attached Rent free letter and property profile reflects owner is same person stating lives rent free. - Seller-01/06/2026<br>| Resolved-Received rent free letter and proof of ownership - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.15 Required is 50 Borrower has 26.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782 Required is 680 Borrower has 782 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6923854 |
| XXXX | XXXX | 305035373 D A | Closed | FCRE1169 | 2026-01-06 09:17 | 2026-01-10 15:58 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Received flood insurance with effective date on disbursement date. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Lender notes the closing date is XXXX which correlates with the signature, please see attached Flood insurance policy reflecting coverage period from XXXX - Seller-01/08/2026 <br> Open-Flood Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. Lender notes the closing date is XXXX which correlates with the signature, please see attached Flood insurance policy reflecting coverage period from XXXX - Seller-01/08/2026 | Resolved-Received flood insurance with effective date on disbursement date. - Due Diligence Vendor-01/10/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 40 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 707 Required is 640 Borrower has 707 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6932128 |
| XXXX | XXXX | 305035373 D A | Closed | FCRE1158 | 2026-01-06 10:06 | 2026-01-08 08:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received Hazard Insurance, PCCD, and proof of amount paid. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Please see attached the XXXX Final CD reflects the premium amount is the same amount due $3,241.46 required on policy docs. please clear - Seller-01/06/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Premium on Dec page is $3407.59 - lender collected $4236 - provide updated dec page reflecting correct premium - Due Diligence Vendor-01/06/2026 | Ready for Review-Please see attached the XXXX Final CD reflects the premium amount is the same amount due XXXX required on policy docs. please clear - Seller-01/06/2026 | Resolved-Received Hazard Insurance, PCCD, and proof of amount paid. - Due Diligence Vendor-01/08/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 40 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 707 Required is 640 Borrower has 707 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6933314 |
| XXXX | XXXX | 305035417 D B C A | Closed | FCRE8201 | 2026-02-23 17:47 | 2026-02-24 10:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Originator exception to allow for ITIN, business bank statement under the loan program. Waiver applied to non material finding with comp factors. - Due Diligence Vendor-02/24/2026 <br>Open-Guideline does not allow an ITIN borrower under the bank statement loan program. <br> - Due Diligence Vendor-02/23/2026 |  | Waived--Originator exception to allow for ITIN, business bank statement under the loan program. Waiver applied to non material finding with comp factors. - Due Diligence Vendor-02/24/2026<br>| Credit history exceeds minimum required - The Borrower has had 0x30 on the consumer credit history for more than 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754 | 24+ month credit history exceeds minimum required<br> Qualifying FICO score is at least 20 points above minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 7766338 |
| XXXX | XXXX | 305035417 D B C A | Closed | FCRE1479 | 2026-01-06 19:20 | 2026-02-23 19:11 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received LOE for use of business funds. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached LOE which was included with the original file - Seller-01/22/2026 <br> Counter-Received Wire receipt from Business Account and Cashier check for XXXX. Missing LOE for potential impact to business if business funds are being used for closing. Excluding gift, funds short to close. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX statement ending 11.30 shows balance of XXXX from transaction history dated up to XXXX, now shows a remaining balance of XXXX after funds sent to close transaction. Please see wire of XXXX and check cut XXXX = total verified funds of XXXX fromXXXX and XXXX. Hope this helps, Please clear - Seller-01/17/2026 <br> Counter-Review is unable to mirror assets total reflecting on worksheet received. Review reflects XXXX xxXXXX and XXXX XXXX. Without gift funds, reserves short by XXXX. Please provide assets totaling XXXX as noted on worksheet. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Disagree, please see require assets vs verified assets, shows funds are sufficient without gift monies. - Seller-01/07/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Gift letter in file for XXXX. Lender to provide evidence of Gift sent to closing to cover required reserves. Additional conditions may apply. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Please see attached LOE which was included with the original file - Seller-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached November statement ending XXXX shows balance of 120,627.46 from transaction history dated up to 12.23.2025, now shows a remaining balance of $12,922.67 after funds sent to close transaction. Please see wire of $114,075.68 and check cut $2,056.11 = total verified funds of $133,634.51 from $4,580.05 and $129,054.46. Hope this helps, Please clear - Seller-01/17/2026 <br> Ready for Review-Document Uploaded. Disagree, please see require assets vs verified assets, shows funds are sufficient without gift monies. - Seller-01/07/2026 | Resolved-Received LOE for use of business funds. - Due Diligence Vendor-01/26/2026<br>| Credit history exceeds minimum required - The Borrower has had 0x30 on the consumer credit history for more than 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6947486 |
| XXXX | XXXX | 305035417 D B C A | Closed | FCRE6019 | 2026-01-06 22:40 | 2026-01-26 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Is Missing Received snapshot of 1003 reflecting XXXX as country of origin. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached snapshot which shows both borrower's have XXXX Citizens. Information was verified; however, did not print on the 1003 - Seller-01/22/2026 <br> Counter-Received 1008. Statement does not specify if country of citizenship applies to both borrowers. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <br> Ready for Review-no further docs are required, NON QM guidelines are satisfied, please clear as soon as possible. - Seller-01/17/2026 <br> Counter-Received ITIN and photo ID. Missing borrowers country of citizenship. Review can accept 1003 reflecting or passport or other confirmation. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Disagree, defect request is not valid. Please review the documentation provided which satisfies NON QM guideline requirements. Please clear this as soon as possible - Seller-01/07/2026 <br> Open-Borrower Citizenship Documentation Is Missing (1) Lender to provide documentation to verify country of citizenship for B1.<br> (2) Lender to provide documentation to verify country of citizenship for B2. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Please see attached snapshot which shows both borrower's have Mexican Citizens. Information was verified; however, did not print on the 1003 - Seller-01/22/2026 <br>Ready for Review-Document Uploaded. - Seller-01/21/2026 <br>Ready for Review-no further docs are required, NON QM guidelines are satisfied, please clear as soon as possible. - Seller-01/17/2026 <br>Ready for Review-Document Uploaded. Disagree, defect request is not valid. Please review the documentation provided which satisfies NON QM guideline requirements. Please clear this as soon as possible - Seller-01/07/2026<br>| Resolved-Borrower Citizenship Documentation Is Missing Received snapshot of 1003 reflecting XXXX as country of origin. - Due Diligence Vendor-01/26/2026 | Credit history exceeds minimum required - The Borrower has had 0x30 on the consumer credit history for more than 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6950451 |
| XXXX | XXXX | 305035417 D B C A | Closed | finding-3652 | 2026-01-02 17:21 | 2026-01-08 08:38 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. SUPPORTING DOCUMENTS UPLOADED - Seller-01/07/2026 <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 ($4,800.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $4,800 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $4,800, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. SUPPORTING DOCUMENTS UPLOADED - Seller-01/07/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/08/2026<br>| Credit history exceeds minimum required - The Borrower has had 0x30 on the consumer credit history for more than 12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6902877 |
| XXXX | XXXX | 305030829 D A | Closed | FCRE0177 | 2026-01-07 11:27 | 2026-01-26 14:04 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received updated 1008. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached corrected PC 1008 showing condo is non-warrantable. Please clear this finding. - Seller-01/22/2026 <br> Counter-Received Snap shot of Questionnaire. 1008 document as warrantable. Per Guideline, Condotel is Non-Warrantable. Short term rent analysis support $4170 monthly used. Finding remains. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. I respectfully disagree. No confirmation required because it is clearly stated on the attached Limited Condominium Project dated 12-09-25 which was included in your file uploads. See attached #1 stating Project is a condotel. No issues found. - Seller-01/17/2026 <br> Counter-Review received lock with condo noted as warrantable. STR Narrative reflects condotel. Confirmation required. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1003 dated XXXX. Subject condo is a condotel. Please clear this finding. - Seller-01/13/2026 <br> Counter-Received STR Narrative from appraiser. Property type is noted on STR Narrative as Condotel. 1008 reflects not condotel. Please clarify. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Please see attached Appraiser Narrative Short Term Rent Analysis , PC 1003 and PC 1008. Updated DSCR ratio is 1.10746. No issues found. - Seller-01/08/2026 <br> Open-Missing Third Party Market Rent Source Provide missing 1007 to support $4170 monthly. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Please see attached corrected PC 1008 showing condo is non-warrantable. Please clear this finding. - Seller-01/22/2026 <br> Ready for Review-Document Uploaded. I respectfully disagree. No confirmation required because it is clearly stated on the attached Limited Condominium Project dated XXXX which was included in your file uploads. See attached #1 stating Project is a condotel. No issues found. - Seller-01/17/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1003 dated XXXX. Subject condo is a condotel. Please clear this finding. - Seller-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Appraiser Narrative Short Term Rent Analysis , PC 1003 and PC 1008. Updated DSCR ratio is 1.10746. No issues found. - Seller-01/08/2026 | Resolved-Received updated 1008. - Due Diligence Vendor-01/26/2026<br>| Months Reserves exceed minimum required - No reserves required, the borrower has 4.85 months in reserves.<br>Long term residence - Long Term Residence = 6+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6961136 |
| XXXX | XXXX | 305030829 D A | Closed | FCRE0099 | 2026-01-07 15:10 | 2026-01-10 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Condo questionnaire considered for final sale numbers. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-The audit finding notes a discrepancy between the appraisal, which reflects 33 units sold out of 451 total units, and the condo questionnaire, which reflects 451 units sold out of 451 units. Please note that the appraisal was completed on XXXX, while the Non-QM condo full review questionnaire was completed on XXXX. Under Non-QM condo review guidelines, project data is reviewed as of the effective date of each report, and variations may occur due to changes in project sales status over time. The most current and controlling project information is reflected in the condo full review questionnaire. Therefore, the discrepancy is attributable to timing differences and does not represent an error or inconsistency requiring correction. Please clear this finding or escalate to management. - Seller-01/08/2026 <br> Open-Appraisal shows only 33 units sold out of 451 total units; questionnaire shows 451 sold out of 451 units. - Due Diligence Vendor-01/07/2026 | Ready for Review-The audit finding notes a discrepancy between the appraisal, which reflects XXX units sold out of XXX total units, and the condo questionnaire, which reflects XXX units sold out of XXX units. Please note that the appraisal was completed on XXXX, while the Non-QM condo full review questionnaire was completed on XXXX. Under Non-QM condo review guidelines, project data is reviewed as of the effective date of each report, and variations may occur due to changes in project sales status over time. The most current and controlling project information is reflected in the condo full review questionnaire. Therefore, the discrepancy is attributable to timing differences and does not represent an error or inconsistency requiring correction. Please clear this finding or escalate to management. - Seller-01/08/2026 | Resolved-Condo questionnaire considered for final sale numbers. - Due Diligence Vendor-01/10/2026<br>| Months Reserves exceed minimum required - No reserves required, the borrower has 4.85 months in reserves.<br>Long term residence - Long Term Residence = 6+ years |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6967527 |
| XXXX | XXXX | 305035303 C A | Closed | FCRE1510 | 2026-01-06 14:16 | 2026-01-10 15:27 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/08/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Legal Description - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/08/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.27<br>Months Reserves exceed minimum required - Minimum reserve requirement is 6, borrower has 10.01 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6941619 |
| XXXX | XXXX | 305030883 C A | Closed | FCRE1197 | 2026-01-07 23:25 | 2026-02-23 08:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Updated matrix provided with 640 min. credit score. - Due Diligence Vendor-01/13/2026 <br> Counter-Review is awaiting receipt of final XXXX Matrix. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Lender notes the product used to qualify is XXXX - Lite Alt Doc 30 Yr Fixed, 12 Mos Biz Bk Stmts, Cash-Out, Primary. Please see attached highlighted Matrix - Seller-01/08/2026 <br> Open-Audited FICO of 645 is less than Guideline FICO of 680 FICO Audited FICO of 645 is less than Guideline FICO of 680. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Lender notes the product used to qualify is XXXX - Lite Alt Doc 30 Yr Fixed, 12 Mos Biz Bk Stmts, Cash-Out, Primary. Please see attached highlighted Matrix - Seller-01/08/2026 | Resolved-Updated matrix provided with 640 min. credit score. - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.68 Required is 50 Borrower has 35.68<br>Long term residence - Long Term Residence = 8+ years |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6974645 |
| XXXX | XXXX | 305030883 C A | Closed | finding-3634 | 2026-01-06 14:50 | 2026-01-16 09:25 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. CURE FOR $.025 TO TOTAL $58 - Seller-01/14/2026 <br> Counter-----Reimbursement is not enough to cure finding. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Are you asking for another $0.25? - Seller-01/09/2026 <br> Counter------Need PCCD dated after closing, Copy of Check, LOE and Shipping label. Finding Remains. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. CURE OF $57.75 WAS DONE ON THE FINAL CD - Seller-01/08/2026 <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 $58.00.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). ----- Zero (0%) tolerance fees increased by $58.00 (transfer taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $58.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. CURE FOR $.025 TO TOTAL $58 - Seller-01/14/2026 <br>Ready for Review-Are you asking for another $0.25? - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. CURE OF $57.75 WAS DONE ON THE FINAL CD - Seller-01/08/2026<br>| Resolved------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.68 Required is 50 Borrower has 35.68<br>Long term residence - Long Term Residence = 8+ years |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6942483 |
| XXXX | XXXX | 305035388 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304897188 D A | Closed | FCRE0069 | 2026-01-09 12:16 | 2026-01-15 10:48 | Resolved | 1 - Information C A | Credit | Income/Employment | Bank Statement Summary Lender Worksheet is N/A | Resolved-Received all noted Bank Statements in XXXX. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Please see uploaded January bank statement<br> - Seller-01/13/2026 <br> Counter-Received XXXX. Missing XXXX statement per finding. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see uploaded bank statements - Seller-01/12/2026 <br> Open-Bank statements form XXXX through XXXX are in Spanish. Please provided these statements converted to XXXX. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Please see uploaded January bank statement<br> - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. Please see uploaded bank statements - Seller-01/12/2026<br>| Resolved-Received all noted Bank Statements in English. - Due Diligence Vendor-01/15/2026<br>| Qualifying DTI below maximum allowed - qualifying dti 16.04% max 50%. Required is 50 Borrower has 16.04<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 808; min score 720. Required is 720 Borrower has 808 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7010653 |
| XXXX | XXXX | 304897188 D A | Closed | FCRE1204 | 2026-01-09 07:12 | 2026-01-13 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received SAM.gov for XXXX - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see uploaded SAMS for XXXX - Seller-01/12/2026 <br> Open-Fraud Report Shows Uncleared Alerts - sam.gov for XXXX. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Please see uploaded SAMS for XXXX - Seller-01/12/2026 | Resolved-Received SAM.gov for XXXX - Due Diligence Vendor-01/13/2026 | Qualifying DTI below maximum allowed - qualifying dti 16.04% max 50%. Required is 50 Borrower has 16.04<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 808; min score 720. Required is 720 Borrower has 808 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7001465 |
| XXXX | XXXX | 304897188 D A | Closed | FVAL8946 | 2026-01-09 06:44 | 2026-01-12 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing Appraisal | Resolved-After further review, all loans require a secondary valuation, not a second full appraisal. CU provided with a score of 1. - Due Diligence Vendor-01/12/2026 <br>Open-PER Notes- Requires a secondary appraisal.<br> - Due Diligence Vendor-01/09/2026 |  | Resolved-After further review, all loans require a secondary valuation, not a second full appraisal. CU provided with a score of 1. - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - qualifying dti 16.04% max 50%. Required is 50 Borrower has 16.04<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 808; min score 720. Required is 720 Borrower has 808 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7001184 |
| XXXX | XXXX | 305029493 C A | Closed | FCRE1510 | 2026-01-06 14:04 | 2026-01-15 14:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/15/2026<br>| Qualifying DTI below maximum allowed - 35.68% DTI, is below max of 50%.<br>Months Reserves exceed minimum required - 33 Months Reserves exceed 6 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6941290 |
| XXXX | XXXX | 305029493 C A | Closed | FCRE1143 | 2026-01-08 09:55 | 2026-01-13 13:48 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Questionnaire confirm Builder control will be removed upon 90% completion. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 151-153 and attached herein. - Seller-01/12/2026 <br> Counter-No document provided. Did not locate a Master agreement confirming the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. Please provide referenced document. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Per XXXX DSCR guidelines, The developer may be in control of the condominium association as long as the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. According to the Condo Questionnaire, predetermined percentage of unit sales is indicated at 90%. - Seller-01/08/2026 <br> Open-Builder is in control of HOA - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 151-153 and attached herein. - Seller-01/12/2026 <br> Ready for Review-Per XXXX DSCR guidelines, The developer may be in control of the condominium association as long as the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. According to the Condo Questionnaire, predetermined percentage of unit sales is indicated at 90%. - Seller-01/08/2026 | Resolved-Questionnaire confirm Builder control will be removed upon 90% completion. - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - 35.68% DTI, is below max of 50%.<br>Months Reserves exceed minimum required - 33 Months Reserves exceed 6 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6982130 |
| XXXX | XXXX | 305029493 C A | Closed | FCRE0179 | 2026-01-08 10:38 | 2026-01-12 12:56 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW Attestation. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to 2 attached herein. - Seller-01/08/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to 2 attached herein. - Seller-01/08/2026<br>| Resolved-Received UW Attestation. - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - 35.68% DTI, is below max of 50%.<br>Months Reserves exceed minimum required - 33 Months Reserves exceed 6 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6983919 |
| XXXX | XXXX | 305029493 C A | Closed | FCRE0108 | 2026-01-08 12:38 | 2026-01-12 12:55 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received proof of sufficient Fidelity Coverage. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/08/2026 <br> Open-Fidelity Coverage not met. Fidelity Coverage missing from master policy provided - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/08/2026<br>| Resolved-Received proof of sufficient Fidelity Coverage. - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - 35.68% DTI, is below max of 50%.<br>Months Reserves exceed minimum required - 33 Months Reserves exceed 6 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6988926 |
| XXXX | XXXX | 305029493 C A | Closed | FCRE0099 | 2026-01-08 12:33 | 2026-01-12 12:54 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Please note that it is not our requirement for the Appraisal and Condo Questionnaire to match. We note that the Appraiser does not always have the most up to date information; therefore, we compare the data and use the information provided by the HOA as it would be the most recent and updated information. - Seller-01/08/2026 <br>Open-# of investments, # sold. Provide appraiser with questionnaire to update - Due Diligence Vendor-01/08/2026 | Ready for Review-Please note that it is not our requirement for the Appraisal and Condo Questionnaire to match. We note that the Appraiser does not always have the most up to date information; therefore, we compare the data and use the information provided by the HOA as it would be the most recent and updated information. - Seller-01/08/2026<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - 35.68% DTI, is below max of 50%.<br>Months Reserves exceed minimum required - 33 Months Reserves exceed 6 months minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6988806 |
| XXXX | XXXX | 305035421 C A | Closed | FCRE8702 | 2026-01-08 17:23 | 2026-01-12 12:35 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received EIN - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please see attached IRS EIN Letter. - Seller-01/09/2026 <br>Open-The Business Entity Formation Document is incomplete Missing EIN - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Please see attached IRS EIN Letter. - Seller-01/09/2026<br>| Resolved-Received EIN - Due Diligence Vendor-01/12/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689 Required is 660 Borrower has 689 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6994492 |
| XXXX | XXXX | 305030805 C A | Closed | FCRE1198 | 2026-01-09 11:23 | 2026-01-14 15:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Bank statement converted to XXXX funds. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. In addition to the XXXX assets totaling $71,468.29, the borrower had additional verified assets of $16,887.36, totaling $88,366.65. The funds are sufficient to meet the 6 mo. reserves requirements of $XXXX, and XXXX of XXXX, totaling XXXX. Please refer to page 861-781, 909-911 and attached herein. - Seller-01/12/2026 <br> Open-Audited Reserves of 0.16 month(s) are less than Guideline Required Reserves of 6 month(s). Provide sufficient assets to support total reserves required. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. In addition to the XXXX assets totaling $71,468.29, the borrower had additional verified assets of $16,887.36, totaling $88,366.65. The funds are sufficient to meet the 6 mo. reserves requirements of $14,503.14, and CTC of $71,082.98, totaling $85.586.12. Please refer to page 861-781, 909-911 and attached herein. - Seller-01/12/2026 | Resolved-Received Bank statement converted to us funds. - Due Diligence Vendor-01/14/2026<br>| Long term residence - 15 years in primary residence.<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7009307 |
| XXXX | XXXX | 305035290 C A | Closed | FCRE1491 | 2026-01-09 10:55 | 2026-01-26 14:26 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received title receipt of closing funds and business account was not used. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. We kindly disagree, Please note that the funds, received for closing, came from the borrower's personal account ending in XXXX. The business account was only used to evidence additional reserves and would not require a Business Use of Funds letter since the funds were not used. The Letter is only required if funds are being withdrawn and paid out to complete the closing. - Seller-01/23/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements As business funds from account ending in XXXX are being used for closing, missing a Letter of Explanation executed by the Borrower (who is majority of the business' ownership) describing the potential impact on the business if business funds are used for closing. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. We kindly disagree, Please note that the funds, received for closing, came from the borrower's personal account ending in XXXX. The business account was only used to evidence additional reserves and would not require a Business Use of Funds letter since the funds were not used. The Letter is only required if funds are being withdrawn and paid out to complete the closing. - Seller-01/23/2026 | Resolved-Received title receipt of closing funds and business account was not used. - Due Diligence Vendor-01/26/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x39<br>Months Reserves exceed minimum required - 7.04 mos reserves; 6 mos required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7007517 |
| XXXX | XXXX | 305030873 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305030806 D B A | Closed | FCRE1334 | 2026-01-12 09:59 | 2026-01-14 14:23 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Waived-Borrower 1 Executed 4506-T/4506-C is Missing 4506-C required for all Standard income documentation/Full Doc loans. Missing 4506-C's for the borrower's wage-earning employment. Waived to non-material since income level being a "3" and we have 2 years W-2's and a paystub dated XXXX to evidence the income. - Due Diligence Vendor-01/12/2026 |  | Waived-Borrower 1 Executed 4506-T/4506-C is Missing 4506-C required for all Standard income documentation/Full Doc loans. Missing 4506-C's for the borrower's wage-earning employment. Waived to non-material since income level being a "3" and we have 2 years W-2's and a paystub dated 12/5 to evidence the income. - Due Diligence Vendor-01/12/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $8,640.97 residual income, $1,500 per month required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 723 Required is 680 Borrower has 723 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7037571 |
| XXXX | XXXX | 305030806 D B A | Closed | FCRE1316 | 2026-01-12 08:54 | 2026-01-14 14:23 | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Borrower 1 3rd Party VOE Prior to Close Missing Waived to non-material since income level being a "3" and we have 2 years W-2's and a paystub dated XXXX to evidence the income. - Due Diligence Vendor-01/12/2026 |  | Waived-Borrower 1 3rd Party VOE Prior to Close Missing Waived to non-material since income level being a "3" and we have 2 years W-2's and a paystub dated XXXX to evidence the income. - Due Diligence Vendor-01/12/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - $8,640.97 residual income, $1,500 per month required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 723 Required is 680 Borrower has 723 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7034589 |
| XXXX | XXXX | 305030806 D B A | Closed | FCRE1198 | 2026-01-09 17:16 | 2026-01-13 14:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated 1003, gift letter and proof of receipt of gift. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Please refer to comments and to uploaded documents in related finding. - Seller-01/12/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) 6 months reserves required. Documented assets in file, excluding the gift letter (due to missing receipt of funds wired to escrow/closing), were insufficient to cover reserves. - Due Diligence Vendor-01/09/2026 | Ready for Review-Please refer to comments and to uploaded documents in related finding. - Seller-01/12/2026<br>| Resolved-Received updated 1003, gift letter and proof of receipt of gift. - Due Diligence Vendor-01/13/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $8,640.97 residual income, $1,500 per month required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 723 Required is 680 Borrower has 723 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7017125 |
| XXXX | XXXX | 305030806 D B A | Closed | FCRE9501 | 2026-01-09 17:07 | 2026-01-13 14:37 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received updated 1003, gift letter and proof of receipt of gift. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Please refer to comments and to uploaded documents in related finding. - Seller-01/12/2026 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Documented assets in file, excluding the gift letter (due to missing receipt of funds wired to escrow/closing), were insufficient to cover closing costs. - Due Diligence Vendor-01/09/2026 | Ready for Review-Please refer to comments and to uploaded documents in related finding. - Seller-01/12/2026<br>| Resolved-Received updated 1003, gift letter and proof of receipt of gift. - Due Diligence Vendor-01/13/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $8,640.97 residual income, $1,500 per month required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 723 Required is 680 Borrower has 723 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7016908 |
| XXXX | XXXX | 305030806 D B A | Closed | FCRE1470 | 2026-01-09 17:07 | 2026-01-13 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 4 Missing | Resolved-Received updated 1003, gift letter and proof of receipt of gift. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. The loan required 6 mo. PITIA in reserves totaling XXXX. According to the Final CD, the required CTC was XXXX. The total required assets needed to be verified, including reserves, was XXXX. The borrower had already deposited the XXXX EMD. The loan file included borrower verified assets totaling XXXX. The borrower received the attached $134,800 gift funds. As such the reserves requirements have been met. See attached gift letter and deposit and revised 1003. - Seller-01/12/2026 <br> Open-Asset 4 Missing Missing documentation of receipt of gift funds (per gift letter) wired to closing. It should be noted that the loan file contains two gift letters, signed and dated XXXX by the same individual; one letter is for $134,500 and one letter is for XXXX. Additionally, the loan approval notes to "document receipt of funds in the amount of XXXX. transferred to the borrower's account or directly to the settlement agent. If the documented amount is less than the minimum required, the file must be returned to underwriting for requalification." Additional conditions may apply. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. The loan required 6 mo. PITIA in reserves totaling $47,181.78. According to the Final CD, the required CTC was $88,717.53. The total required assets needed to be verified, including reserves, was $135,899.31. The borrower had already deposited the $27,000 EMD. The loan file included borrower verified assets totaling $22,319.5. The borrower received the attached $134,800 gift funds. As such the reserves requirements have been met. See attached gift letter and deposit and revised 1003. - Seller-01/12/2026<br>| Resolved-Received updated 1003, gift letter and proof of receipt of gift. - Due Diligence Vendor-01/13/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $8,640.97 residual income, $1,500 per month required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 723 Required is 680 Borrower has 723 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7016906 |
| XXXX | XXXX | 305035381 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305039276 C A | Closed | FCRE0197 | 2026-01-12 14:36 | 2026-01-14 15:55 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller Settlement Statement. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/12/2026 <br>Open-The Final SELLER CD/HUD is missing. Missing the Final Seller CD/ HUD. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/12/2026<br>| Resolved-Received Seller Settlement Statement. - Due Diligence Vendor-01/14/2026<br>| Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 123.77 mths in reserves. <br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 9.74 Required is 50 Borrower has 10.87 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7048142 |
| XXXX | XXXX | 305030889 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305035334 C A | Closed | FCRE1440 | 2026-01-12 17:17 | 2026-02-02 15:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received prior payment history. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Lender notes re: XXXX payment history provided is over 6 months showing paid by others, TD Bank stmt XXXX documented satisfies the NON QM section 8, Excluded from DTI: Debts paid by others can be excluded from the DTI Ratio if the debt is being paid in a satisfactory manner by another party for the past 6 months. Acceptable documentation would include cancelled checks or bank statements that consistently show another party making at least the past 6 payments. Also, documentation is not new and was already provided at initial packet upload. Please expedite this to be cleared as soon as possible - Seller-01/30/2026 <br> Counter-Per the final 1003, the borrowers primary residence is XXXX and that the borrowers owns the property, property owned section of the final 1003 reflects the borrower owns XXXX street only with a mortgage with XXXX. Property report in the file for 261 reflects the borrower was added to title and the bank statements in the file payments were made to XXXX supporting the payments for XXXX have been made. No documentation in the file to support the payment history for the borrowers primary residence at XXXX has been paid in time or that the borrower is not responsible for the payments for the property at XXXX. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Please note the file contains sufficient information to address this finding. We further note that a Rent Free Letter is not required since the borrower is on Title Only, as referenced on the guide provided. Additionally, the loan contains 12 months bank statement to evidence the payments on the Primary residence have been paid on time. It is our position the loan contains sufficient information to address this item and no additional documentation is needed. - Seller-01/23/2026 <br> Ready for Review-Not a valid counter - Please escalate for manager review. The loan is within the NON QM guidelines. please see attached and expedite to please clear as soon as possible - Seller-01/22/2026 <br> Counter-Review is missing 12 month housing history. Borrower deeded on title XXXX. Missing complete 12 mos verification that the borrower was making the payment or provide a rent free letter. Additional conditions may apply. Must meet guidelines 4.7 and 4.8 if rent free. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Lender notes the loan meets NON QM Guidelines 4.7, please see attached - Seller-01/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower deeded onto the current primary on XXXX and refinanced on XXXX. Borrower was not responsible for previous mortgage payment. Provide verification that the borrower was making the payment or provide a rent free letter. Additional conditions may apply. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Lender notes re: XXXX payment history provided is over 6 months showing paid by others, XXXX stmt XXXX documented satisfies the NON QM section 8, Excluded from DTI: Debts paid by others can be excluded from the DTI Ratio if the debt is being paid in a satisfactory manner by another party for the past 6 months. Acceptable documentation would include cancelled checks or bank statements that consistently show another party making at least the past 6 payments. Also, documentation is not new and was already provided at initial packet upload. Please expedite this to be cleared as soon as possible - Seller-01/30/2026 <br> Ready for Review-Please note the file contains sufficient information to address this finding. We further note that a Rent Free Letter is not required since the borrower is on Title Only, as referenced on the guide provided. Additionally, the loan contains 12 months bank statement to evidence the payments on the Primary residence have been paid on time. It is our position the loan contains sufficient information to address this item and no additional documentation is needed. - Seller-01/23/2026 <br> Ready for Review-Not a valid counter - Please escalate for manager review. The loan is within the NON QM guidelines. please see attached and expedite to please clear as soon as possible - Seller-01/22/2026 <br> Ready for Review-Document Uploaded. Lender notes the loan meets NON QM Guidelines 4.7, please see attached - Seller-01/13/2026 | Resolved-Received prior payment history. - Due Diligence Vendor-02/02/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50. Borrower has 23.02. Required is 50 Borrower has 23.02<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700. Borrower has 774. Required is 700 Borrower has 774 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7050974 |
| XXXX | XXXX | 305035334 C A | Closed | FCRE1198 | 2026-01-12 17:41 | 2026-01-26 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional Asset Statement. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached bank statements matching URLA / Total assets verified 120,327.00 - Seller-01/23/2026 <br> Counter-Received asset worksheet. Review has only validated XXXX XXXX assets. Please provide additional assets considered forXXXX on worksheet. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached FTC Calc, Assets verified suffice - Seller-01/13/2026 <br> Open-Audited Reserves of 5.94 month(s) are less than Guideline Required Reserves of 6 month(s) Short 6 months reserves. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Please see attached bank statements matching URLA / Total assets verified 120,327.00 - Seller-01/23/2026 <br>Ready for Review-Document Uploaded. Please see attached FTC Calc, Assets verified suffice - Seller-01/13/2026<br>| Resolved-Received additional Asset Statement. - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50. Borrower has 23.02. Required is 50 Borrower has 23.02<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700. Borrower has 774. Required is 700 Borrower has 774 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7051220 |
| XXXX | XXXX | 305035334 C A | Closed | FCRE1206 | 2026-01-13 06:49 | 2026-01-14 14:40 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete fraud report and SAM clearance. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser, real estate agents, seller, and settlement agent to be added to the loan participant list. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Received complete fraud report and SAM clearance. - Due Diligence Vendor-01/14/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50. Borrower has 23.02. Required is 50 Borrower has 23.02<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700. Borrower has 774. Required is 700 Borrower has 774 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7056850 |
| XXXX | XXXX | 305035334 C A | Closed | FCRE1510 | 2026-01-12 12:56 | 2026-01-14 14:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the Exhibit A from the Mortgage Document (Deed of Trust). - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/14/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50. Borrower has 23.02. Required is 50 Borrower has 23.02<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700. Borrower has 774. Required is 700 Borrower has 774 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7045901 |
| XXXX | XXXX | 305035330 D A | Closed | FCRE7497 | 2026-01-12 20:36 | 2026-01-16 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Insurance Policy for the primary - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026 <br>Counter-Received partial HOI. Provide HOI dec and confirm no HOA for primary residence. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026 <br>Open-Missing verification of insurance and/or HOA fees for current primary - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026<br>| Resolved-Received Insurance Policy for the primary - Due Diligence Vendor-01/16/2026<br>| Long term residence - Borrower lived in primary for 9 years.<br>Months Reserves exceed minimum required - 10.63 Months Reserves exceed 3 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7052486 |
| XXXX | XXXX | 305035330 D A | Closed | FCRE0197 | 2026-01-12 16:41 | 2026-01-15 13:26 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller CD. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026 <br>Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026<br>| Resolved-Received final seller CD. - Due Diligence Vendor-01/14/2026<br>| Long term residence - Borrower lived in primary for 9 years.<br>Months Reserves exceed minimum required - 10.63 Months Reserves exceed 3 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7050539 |
| XXXX | XXXX | 305035330 D A | Closed | FCRE0700 | 2026-01-12 20:04 | 2026-01-14 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final CD - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing fully executed final closing disclosure - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026<br>| Resolved-Received final CD - Due Diligence Vendor-01/14/2026<br>| Long term residence - Borrower lived in primary for 9 years.<br>Months Reserves exceed minimum required - 10.63 Months Reserves exceed 3 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7052309 |
| XXXX | XXXX | 305035330 D A | Closed | FCRE8887 | 2026-01-12 19:43 | 2026-01-14 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received final 1003 for both borrowers. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026 <br>Open-Missing final signed and dated 1003 for both borrowers - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026<br>| Resolved-Received final 1003 for both borrowers. - Due Diligence Vendor-01/14/2026<br>| Long term residence - Borrower lived in primary for 9 years.<br>Months Reserves exceed minimum required - 10.63 Months Reserves exceed 3 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7051940 |
| XXXX | XXXX | 305035330 D A | Closed | FCOM1227 | 2026-01-12 15:52 | 2026-01-14 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD Rider. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026<br>| Resolved-Received PUD Rider. - Due Diligence Vendor-01/14/2026<br>| Long term residence - Borrower lived in primary for 9 years.<br>Months Reserves exceed minimum required - 10.63 Months Reserves exceed 3 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7049610 |
| XXXX | XXXX | 305035330 D A | Closed | FCRE1509 | 2026-01-09 13:52 | 2026-01-14 15:07 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received fully executed Note and addendums. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026 <br>Open-There are Issues Present on the Note that must be addressed. Note and prepayment addendum are unexecuted - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026<br>| Resolved-Received fully executed Note and addendums. - Due Diligence Vendor-01/14/2026<br>| Long term residence - Borrower lived in primary for 9 years.<br>Months Reserves exceed minimum required - 10.63 Months Reserves exceed 3 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7012491 |
| XXXX | XXXX | 305035330 D A | Closed | FCOM1220 | 2026-01-12 19:38 | 2026-01-14 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026 <br>Open-The Deed of Trust is Missing along with any and all riders - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/14/2026<br>| Long term residence - Borrower lived in primary for 9 years.<br>Months Reserves exceed minimum required - 10.63 Months Reserves exceed 3 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7051917 |
| XXXX | XXXX | 305030888 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305030879 C B A | Closed | FCOM1353 | 2026-01-09 16:57 | 2026-01-27 16:49 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/09/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 4.84 Required is 50 Borrower has 4.84<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7016760 |
| XXXX | XXXX | 305030879 C B A | Closed | FCRE5790 | 2026-01-13 13:39 | 2026-01-26 14:19 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review, UDM in file was dated prior to 10 days and an LOE is not required. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Disagree, Lender notes No explanation is needed for inquiries of credit report ran and reissued dates. Please expedite to clear as soon as possible - Seller-01/23/2026 <br> Counter-Received Undisclosed Debt Verification. Missing LOX for new inquiries reflected after initial credit report. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. Lender notes DataVerify was updated on XXXX and closing date XXXX meets the requirement of within 10days requirements. - Seller-01/14/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide updated gap report. Document provided is more than 10 days from closing date. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Disagree, Lender notes No explanation is needed for inquiries of credit report ran and reissued dates. Please expedite to clear as soon as possible - Seller-01/23/2026 <br> Ready for Review-Document Uploaded. Lender notes DataVerify was updated on XXXX and closing date XXXX meets the requirement of within 10days requirements. - Seller-01/14/2026 | Resolved-Upon further review, UDM in file was dated prior to 10 days and an LOE is not required. - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 4.84 Required is 50 Borrower has 4.84<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7070581 |
| XXXX | XXXX | 305030879 C B A | Closed | FCRE1206 | 2026-01-13 13:43 | 2026-01-15 14:47 | 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-01/15/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/14/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser/appraisal company and settlement company/agent to be added to XXXX and exclusionary list - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/14/2026<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/15/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 4.84 Required is 50 Borrower has 4.84<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7070700 |
| XXXX | XXXX | 305035319 C A | Closed | FCRE1143 | 2026-01-13 09:09 | 2026-03-16 17:03 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Builder is in control of HOA Condo questionnaire confirms will be turned over once 90% of units are closed. - Due Diligence Vendor-03/16/2026 <br>Resolved-Builder is in control of HOA Condo questionnaire confirms will be turned over once 90% of units are closed. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Disagree, not a valid finding. Lender notes the Subject Condo project is Non-warrantable meets DSCR guidelines section 8.10.2 Project Review Non-Warrantable - Seller-01/14/2026 <br>Open-Builder is in control of HOA - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Disagree, not a valid finding. Lender notes the Subject Condo project is Non-warrantable meets DSCR guidelines section 8.10.2 Project Review Non-Warrantable - Seller-01/14/2026<br>| Resolved-Builder is in control of HOA Condo questionnaire confirms will be turned over once 90% of units are closed. - Due Diligence Vendor-03/16/2026 <br>Resolved-Builder is in control of HOA Condo questionnaire confirms will be turned over once 90% of units are closed. - Due Diligence Vendor-01/15/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.095 Required is 0.8 Borrower has 1.095<br>Months Reserves exceed minimum required - 3 months reserves required, borrower has 8.29 documented |  | 2512053537 XXXX Questionnaires section .png<br> 2512053537 XXXX DSCR Guideline 8.10.2 .png | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7059621 |
| XXXX | XXXX | 305035316 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305035424 C A | Closed | FCRE1206 | 2026-01-14 08:29 | 2026-01-26 14:43 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached complete Final DV report. please clear this finding. - Seller-01/23/2026 <br> Counter-Please provide Fraud report included all parties. Fraud report in file does not include all participants. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached Loan Participant Analysis for Appraiser - XXXX and Settlement Agent- XXXX. No issues found. - Seller-01/14/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and settlement agent to be added to the loan participant list. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see attached complete Final DV report. please clear this finding. - Seller-01/23/2026 <br> Ready for Review-Document Uploaded. Please see attached Loan Participant Analysis for Appraiser - XXXX and Settlement Agent- XXXX. No issues found. - Seller-01/14/2026 | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50. Borrower has 44.33. Required is 50 Borrower has 44.33<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680. Borrower has 723. Required is 680 Borrower has 723 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7083343 |
| XXXX | XXXX | 305035406 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305035328 D A | Closed | FCRE1441 | 2026-01-13 17:43 | 2026-01-16 16:09 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Upon further review, the borrower has sufficient assets as required by the guidelines. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. payments were used to qualify on student loans, and collections do not need to be paid. please see attached - Seller-01/15/2026 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements All past due account to be brought current. Provide explanation for delinquent payments. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. payments were used to qualify on student loans, and collections do not need to be paid. please see attached - Seller-01/15/2026<br>| Resolved-Upon further review, the borrower has sufficient assets as required by the guidelines. - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - 7.47 Months Reserves exceed 3 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.69 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7075209 |
| XXXX | XXXX | 305035328 D A | Closed | FCRE1507 | 2026-01-13 18:02 | 2026-01-16 16:09 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Upon further review, loan meets guideline requirements. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. 1.15 \*\*\* Please see NON QM Section 7.1.2 allows 10% Expense factor, does not require CPA statement of same - Seller-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Ready for Review-Not valid Finding, Please see attached NON QM Guideline section 7.1.1 states one of the following options, and UW used the third option, which states: ▪ Minimum 10% Expense Factor. And Pending sale REO XXXX, NO MTg, HOA $948 per web search, taxes $242.95 - Seller-01/14/2026 <br> Open-The Originator QM Status is not the same as the Final QM Status. CPA letter missing fixed expense ratio factor of 10% in order to use lower factor for income calculation. Missing payment information for XXXX. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. 1.15 \*\*\* Please see NON QM Section 7.1.2 allows 10% Expense factor, does not require CPA statement of same - Seller-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Ready for Review-Not valid Finding, Please see attached NON QM Guideline section 7.1.1 states one of the following options, and UW used the third option, which states: ▪ Minimum 10% Expense Factor. And Pending sale REO XXXX, NO MTg, HOA $948 per web search, taxes $242.95 - Seller-01/14/2026 | Resolved-Upon further review, loan meets guideline requirements. - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - 7.47 Months Reserves exceed 3 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.69 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7075405 |
| XXXX | XXXX | 305035328 D A | Closed | FCRE1506 | 2026-01-14 09:37 | 2026-01-16 16:09 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Credit findings have been resolved. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Ready for Review-Document Uploaded. Not valid Finding, Please see attached NON QM Guideline section 7.1.1 states one of the following options, and UW used the third option, which states: ▪ Minimum 10% Expense Factor. And Pending sale REO XXXX NO MTg, HOA $948 per web search, taxes $242.95 - Seller-01/14/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. CPA letter missing fixed expense ratio factor of 10% in order to use lower factor for income calculation. Missing payment information for XXXX. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Ready for Review-Document Uploaded. Not valid Finding, Please see attached NON QM Guideline section 7.1.1 states one of the following options, and UW used the third option, which states: ▪ Minimum 10% Expense Factor. And Pending sale REO XXXX, NO MTg, HOA $948 per web search, taxes $242.95 - Seller-01/14/2026 | Resolved-Credit findings have been resolved. - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - 7.47 Months Reserves exceed 3 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.69 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7084596 |
| XXXX | XXXX | 305035328 D A | Closed | FCRE1491 | 2026-01-13 17:57 | 2026-01-16 16:08 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, personal bank statements were used for qualification. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Disagree, Not a valid finding due to all assets used to close are personal funds, XXXX - Personal account and XXXX Personal XXXX. Please clear - Seller-01/15/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Provide Letter of Explanation executed by the majority of the business' ownership describing the potential impact on the business if business funds are used for closing. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Disagree, Not a valid finding due to all assets used to close are personal funds, XXXX - Personal account and XXXX. Please clear - Seller-01/15/2026 | Resolved-Upon further review, personal bank statements were used for qualification. - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - 7.47 Months Reserves exceed 3 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.69 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7075354 |
| XXXX | XXXX | 305035328 D A | Closed | FCRE1325 | 2026-01-14 09:22 | 2026-01-16 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review, personal bank statement were used. CPA letter not required. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see NON QM Section 7.1.2 allows 10% Expense factor, does not require CPA statement of same - Seller-01/16/2026 <br>Ready for Review-Document Uploaded. Not valid Finding, Please see attached NON QM Guideline section 7.1.1 states one of the following options, and UW used the third option, which states: ▪ Minimum 10% Expense Factor - Seller-01/14/2026 <br>Open-Borrower 1 CPA Letter Missing CPA letter missing fixed expense ratio factor of 10% in order to use lower factor for income calculation. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see NON QM Section 7.1.2 allows 10% Expense factor, does not require CPA statement of same - Seller-01/16/2026 <br>Ready for Review-Document Uploaded. Not valid Finding, Please see attached NON QM Guideline section 7.1.1 states one of the following options, and UW used the third option, which states: ▪ Minimum 10% Expense Factor - Seller-01/14/2026<br>| Resolved-Upon further review, personal bank statement were used. CPA letter not required. - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - 7.47 Months Reserves exceed 3 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.69 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7084233 |
| XXXX | XXXX | 305035328 D A | Closed | FCRE7497 | 2026-01-16 09:37 | 2026-01-16 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, the loan file contained sufficient REO documentation - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Client comments - Document Uploaded. Pending sale REO XXXX, las vegas, NV 89109, NO MTg, HOA $948 per web search, taxes $242.95 - Due Diligence Vendor-01/16/2026 <br> Open-From compliance finding fired - Proof property 3A on initial 1003 has been sold or proof of all expenses to be provided. Additional conditions may apply - Due Diligence Vendor-01/16/2026 |  | Resolved-Upon further review, the loan file contained sufficient REO documentation - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - 7.47 Months Reserves exceed 3 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.69 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7136122 |
| XXXX | XXXX | 305035365 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305035411 C A | Closed | FCRE1440 | 2026-01-13 20:00 | 2026-01-28 16:25 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/28/2026 <br>Ready for Review-We kindly disagree per guidelines, Primary and Subject housing is only required to be verified for a refinance Transaction. For a Purchase Transaction, we just have to confirm the borrower has an acceptable mortgage history. We Note that the borrower's credit report shows they have 36+ months of mortgage history reported on all 3 of there investment properties. The on time history is sufficient to meet the requirement for purchasing a new Investment property with a DSCR Loan. (Please see section 6.7 of the guide.) - Seller-01/26/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Primary mortgage in spouse's name. Provided rent free letter, if applicable. Otherwise if borrower is responsible for payment, provide 12 month history. Additional conditions may apply. - Due Diligence Vendor-01/14/2026 | Ready for Review-We kindly disagree per guidelines, Primary and Subject housing is only required to be verified for a refinance Transaction. For a Purchase Transaction, we just have to confirm the borrower has an acceptable mortgage history. We Note that the borrower's credit report shows they have 36+ months of mortgage history reported on all 3 of there investment properties. The on time history is sufficient to meet the requirement for purchasing a new Investment property with a DSCR Loan. (Please see section 6.7 of the guide.) - Seller-01/26/2026<br>| Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 782. Required is 720 Borrower has 782<br>Months Reserves exceed minimum required - Guideines require 6 months of reserves. Borrower verified 32.05 months of reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7076536 |
| XXXX | XXXX | 305035411 C A | Closed | FCRE1206 | 2026-01-13 20:04 | 2026-01-26 13:17 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. See attached complete Final DV report. - Seller-01/22/2026 <br> Counter-Received snapshot of Fraud Participant list. Provide complete report reflecting all participants. Unable to confirm for subject transaction. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached LPA for Settlement Agent - XXXX- XXXX. No issues found. - Seller-01/14/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Title company/settlement agent to be added to the loan participant list. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. See attached complete Final DV report. - Seller-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached LPA for Settlement Agent - XXXX - XXXX. No issues found. - Seller-01/14/2026 | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 782. Required is 720 Borrower has 782<br>Months Reserves exceed minimum required - Guideines require 6 months of reserves. Borrower verified 32.05 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7076538 |
| XXXX | XXXX | 305035397 C A | Closed | FCRE1510 | 2026-01-10 10:15 | 2026-01-16 17:03 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/15/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/15/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/16/2026<br>| Months Reserves exceed minimum required - The Borrower has 19.91 months in reserves; no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 640 Borrower has 752 Required is 640 Borrower has 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7023348 |
| XXXX | XXXX | 305035311 D A | Closed | FCRE8887 | 2026-01-14 17:56 | 2026-01-22 17:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received updated 1003. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see corrected 1003 - Seller-01/21/2026 <br>Open-Loan application is missing a 2 year housing history. 16 months of housing was provided. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see corrected 1003 - Seller-01/21/2026<br>| Resolved-Received updated 1003. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712<br>Months Reserves exceed minimum required - Min 6, actual 25.50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7097430 |
| XXXX | XXXX | 305035311 D A | Closed | FCRE1158 | 2026-01-14 11:20 | 2026-01-20 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received complete HOI policy. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. See attached updated EOI. - Seller-01/15/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing policy number and dates the policy is effective. File contains the binder. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. See attached updated EOI. - Seller-01/15/2026<br>| Resolved-Received complete HOI policy. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712<br>Months Reserves exceed minimum required - Min 6, actual 25.50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7087334 |
| XXXX | XXXX | 305035311 D A | Closed | FCOM1350 | 2026-01-14 10:33 | 2026-01-20 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-Received Loan Agreement signed by the Lender - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. See attached Signed Lender Loan Agreement. - Seller-01/15/2026 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Partial'. Missing Lender signature - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. See attached Signed Lender Loan Agreement. - Seller-01/15/2026<br>| Resolved-Received Loan Agreement signed by the Lender - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712<br>Months Reserves exceed minimum required - Min 6, actual 25.50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7086177 |
| XXXX | XXXX | 305035311 D A | Closed | FCRE8701 | 2026-01-14 17:28 | 2026-01-20 13:59 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. Pls see attached document - Articles of Organization, EIN, Cert of Existence and Operating Agreement. - Seller-01/15/2026 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing all required documents for LLC in which the subject loan closed. Subject to additional conditions - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Pls see attached document - Articles of Organization, EIN, Cert of Existence and Operating Agreement. - Seller-01/15/2026<br>| Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712<br>Months Reserves exceed minimum required - Min 6, actual 25.50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7096138 |
| XXXX | XXXX | 305035295 D A | Closed | FCRE8712 | 2026-01-15 07:46 | 2026-01-27 08:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Received the cash flow ledger from the property management company for the subject property. Ledger supports that unit 1 is rented and rent is being received. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Please refer to the attached screenshot of the Cash Flow which reflects rents received for each month. Please rush this review and clear the finding accordingly. - Seller-01/22/2026 <br> Counter-No document received. Review of Guidelines require proof of 2 months receipt if the lease has been converted to month-to-month to evidence continuance of lease on refinance transactions. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-We respectfully disagree. The Cash Flow reflects rents received for each month for all units in total. - Seller-01/20/2026 <br> Counter-Guidelines require evidence of 2 months. Cash flow does not reflect rents received for Unit 1. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. The lease agreement states that they roll to month-to-month if payment is accepted after the lease expires which is standard for XXXX CAR rental agreements. Please refer to Page 1 of the lease delivered with the loan file. The loan file also included the attached cash flow and expenses as the property is managed by a management company. - Seller-01/15/2026 <br> Open-Missing 2 months proof of receipt of rent for unit 1. Lease expired XXXX. Guidelines required If the lease has been converted to month-to-month, then provide the most recent two (2) months proof of receipt to evidence continuance of lease on refinance transactions. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please refer to the attached screenshot of the Cash Flow which reflects rents received for each month. Please rush this review and clear the finding accordingly. - Seller-01/22/2026 <br> Ready for Review-We respectfully disagree. The Cash Flow reflects rents received for each month for all units in total. - Seller-01/20/2026 <br> Ready for Review-Document Uploaded. The lease agreement states that they roll to month-to-month if payment is accepted after the lease expires which is standard for XXXX CAR rental agreements. Please refer to Page 1 of the lease delivered with the loan file. The loan file also included the attached cash flow and expenses as the property is managed by a management company. - Seller-01/15/2026 | Resolved-Received the cash flow ledger from the property management company for the subject property. Ledger supports that unit 1 is rented and rent is being received. - Due Diligence Vendor-01/27/2026<br>| DSCR % greater than 1.20 - Required is 1 Borrower has 2.301<br>LTV is less than guideline maximum - Required is 75 Borrower has 22.54<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 809 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7106202 |
| XXXX | XXXX | 305035299 B A | Closed | FCRE1197 | 2026-01-14 15:26 | 2026-01-14 23:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow for - rural at 682 FICO [ Rural requires 700 FICO ]. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/15/2026 <br>Open-Audited FICO of 682 is less than Guideline FICO of 700 Exception in file page 419. - Due Diligence Vendor-01/14/2026 |  | Waived-Originator exception granted to allow for - rural at 682 FICO [ Rural requires 700 FICO ]. <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/15/2026 | Months Reserves exceed minimum required - Guides do not require any reserves and the borrower has 86 months. <br>Credit history exceeds minimum required - Borrower has more than 3 active tradelines reporting over 12 months with no late pay history. | 24 Month Credit History No Lates. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7094277 |
| XXXX | XXXX | 305035310 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305035429 C A | Closed | FCRE1510 | 2026-01-10 15:40 | 2026-01-20 16:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/16/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Ex A; Legal - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/16/2026<br>| Resolved-Received DOT w/Legal - Due Diligence Vendor-01/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 691 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7024110 |
| XXXX | XXXX | 305039299 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305035346 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305039286 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305039339 C A | Closed | FCRE1206 | 2026-01-20 14:34 | 2026-01-23 15:19 | 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-01/23/2026 <br> Ready for Review-Document Uploaded. Refer to UW comments on page 2 of the DV previously submitted for the comments used to clear the alert. LO ID attached used to clear alert. - Seller-01/22/2026 <br> Counter-Received duplicate drive report. Missing verification of alerts noted for XXXX. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 238-257 and attached herein. - Seller-01/21/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Provide Checks on all participants; the file contains checks on the Borrower only. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. Refer to UW comments on page 2 of the DV previously submitted for the comments used to clear the alert. LO ID attached used to clear alert. - Seller-01/22/2026 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 238-257 and attached herein. - Seller-01/21/2026<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/23/2026<br>| LTV is less than guideline maximum - Required is 70% Borrower has 60%. Required is 70 Borrower has 60<br>Months Reserves exceed minimum required - The Borrower has 39.47 months in reserves; guideline required 12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7185941 |
| XXXX | XXXX | 305039339 C A | Closed | FCRE1205 | 2026-01-20 14:34 | 2026-01-23 15:19 | Resolved | 1 - Information C A | Credit | Eligibility | XXXX Check Not Completed and/or Cleared | Resolved-XXXX Check Completed and Cleared - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Please refer to uploaded documents in related finding. - Seller-01/22/2026 <br> Counter-Received duplicate drive report. Missing verification of alerts noted for XXXX. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Please refer to uploaded documents in related finding. - Seller-01/21/2026 <br> Open-XXXX Check Not Completed and/or Cleared Provide XXXX Checks on all participants; the file contains checks on the Borrower only. - Due Diligence Vendor-01/20/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-01/22/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-01/21/2026<br>| Resolved-XXXX Check Completed and Cleared - Due Diligence Vendor-01/23/2026 | LTV is less than guideline maximum - Required is 70% Borrower has 60%. Required is 70 Borrower has 60<br>Months Reserves exceed minimum required - The Borrower has 39.47 months in reserves; guideline required 12 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7185942 |
| XXXX | XXXX | 305039337 C A | Closed | FCRE9488 | 2026-01-22 09:11 | 2026-01-29 09:13 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Upon further review, it i agreed that borrower recently moved into primary - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Regardless of how long the borrower has owned XXXX, according to the 1003, the borrower had only resided at that address for 1 month. It is highly likely the borrower was in the process of relocating out from the subject to the new residence at the time of the appraisal. As the subject transaction was priced and closed as an Investment property and rental income was not used for qualification, the occupancy concern is invalid. Any additional requested LOEs are unwarranted. - Seller-01/26/2026 <br> Counter-No document provided. Review of fraud report indicate property noted as recent primary purchase has been owned since XXXX. Provided LOX from borrower to clarify. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-According to the 1003, the borrower purchased their current primary residence one month prior to the subject loan application. It is highly likely the borrower was in the process of relocating out from the subject to the new residence at the time of the appraisal. As the subject transaction was priced and closed as an Investment property and rental income was not used for qualification, the occupancy concern is invalid/unwarranted. - Seller-01/22/2026 <br> Open-The subject is the borrower's previous primary residence turned investment. Appraisal shows owner occupied; however, 1007 in file. Operating income statement shows not currently rented. Provide clarification as to current occupancy status. Additional findings may apply. - Due Diligence Vendor-01/22/2026 | Ready for Review-Regardless of how long the borrower has owned XXXX, according to the 1003, the borrower had only resided at that address for 1 month. It is highly likely the borrower was in the process of relocating out from the subject to the new residence at the time of the appraisal. As the subject transaction was priced and closed as an Investment property and rental income was not used for qualification, the occupancy concern is invalid. Any additional requested LOEs are unwarranted. - Seller-01/26/2026 <br> Ready for Review-According to the 1003, the borrower purchased their current primary residence one month prior to the subject loan application. It is highly likely the borrower was in the process of relocating out from the subject to the new residence at the time of the appraisal. As the subject transaction was priced and closed as an Investment property and rental income was not used for qualification, the occupancy concern is invalid/unwarranted. - Seller-01/22/2026 | Resolved-Upon further review, it i agreed that borrower recently moved into primary - Due Diligence Vendor-01/29/2026<br>| Qualifying DTI below maximum allowed - Required is 50% Borrower has 1.08% Required is 50 Borrower has 1.08<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 737. Required is 660 Borrower has 737<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 70%. Required is 75 Borrower has 70 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7239743 |
| XXXX | XXXX | 305039337 C A | Closed | FCRE0179 | 2026-01-21 18:15 | 2026-01-26 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008 with Underwriter Attestation. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/22/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Provide Attestation/Docs stating warrantability of the Condo. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/22/2026<br>| Resolved-Received 1008 with Underwriter Attestation. - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50% Borrower has 1.08% Required is 50 Borrower has 1.08<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 737. Required is 660 Borrower has 737<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 70%. Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7228277 |
| XXXX | XXXX | 305039217 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305030827 C A | Closed | FCRE1143 | 2026-01-22 15:23 | 2026-01-26 13:32 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Upon further review, the estimated time of turnover is 90% of the units are sold. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. The condo questionnaire confirms that the builder remains in control of the HOA until 90% of the units are sold. Per the non-qm guidelines for HOA control, the developer may retain control of the condominium association as long as the Master Agreement provides for homeowner control to transfer upon either (1) reaching a predetermined percentage of unit sales or (2) within a defined time period.<br> In this case, the project's governing documents establish that control will transfer to the homeowners once 90% of the units have closed, which satisfies the requirement for a predetermined percentage threshold. Therefore, the project meets the guideline criteria, and the developer's current control does not constitute an eligibility issue.<br> We respectfully request reconsideration and removal of this finding.<br> - Seller-01/23/2026 <br>Open-Builder is in control of HOA Condo questionnaire email verified that builder is in control of HOA until 90% closed units. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. The condo questionnaire confirms that the builder remains in control of the HOA until 90% of the units are sold. Per the non-qm guidelines for HOA control, the developer may retain control of the condominium association as long as the Master Agreement provides for homeowner control to transfer upon either (1) reaching a predetermined percentage of unit sales or (2) within a defined time period.<br> In this case, the project's governing documents establish that control will transfer to the homeowners once 90% of the units have closed, which satisfies the requirement for a predetermined percentage threshold. Therefore, the project meets the guideline criteria, and the developer's current control does not constitute an eligibility issue.<br> We respectfully request reconsideration and removal of this finding.<br> - Seller-01/23/2026<br>| Resolved-Upon further review, the estimated time of turnover is 90% of the units are sold. - Due Diligence Vendor-01/26/2026<br>| Long term residence - Borrower has ownership in a condo in the Bahamas for 3 yrs.<br>Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 332.35m. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7253446 |
| XXXX | XXXX | 305029508 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.9

**Exhibit 99.9**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 304381134 | XXXX A C |
| XXXX | XXXX | 304443497 | XXXX A |
| XXXX | XXXX | 304443509 | XXXX A |
| XXXX | XXXX | 304459726 | XXXX A |
| XXXX | XXXX | 304474159 | XXXX A C |
| XXXX | XXXX | 304495262 | XXXX C A |
| XXXX | XXXX | 304694465 | XXXX C A |
| XXXX | XXXX | 304702123 | XXXX A |
| XXXX | XXXX | 304736280 | XXXX C A B |
| XXXX | XXXX | 304754769 | XXXX C A B |
| XXXX | XXXX | 304875623 | XXXX D A B |
| XXXX | XXXX | 304736051 | XXXX C A |
| XXXX | XXXX | 304736270 | XXXX A |
| XXXX | XXXX | 304736021 | XXXX C A B |
| XXXX | XXXX | 304736263 | XXXX C A |
| XXXX | XXXX | 304875612 | XXXX A |
| XXXX | XXXX | 304875611 | XXXX D A |
| XXXX | XXXX | 304758139 | XXXX D A B |
| XXXX | XXXX | 304754711 | XXXX C D A B |
| XXXX | XXXX | 304758134 | XXXX D A |
| XXXX | XXXX | 304758160 | XXXX C A B |
| XXXX | XXXX | 304875624 | XXXX D A |
| XXXX | XXXX | 304875619 | XXXX D A B |
| XXXX | XXXX | 304875613 | XXXX C A |
| XXXX | XXXX | 304817013 | XXXX D A B |
| XXXX | XXXX | 304817001 | XXXX D A |
| XXXX | XXXX | 304816991 | XXXX C A D |
| XXXX | XXXX | 304817018 | XXXX A D |
| XXXX | XXXX | 304817038 | XXXX C A B |
| XXXX | XXXX | 304817037 | XXXX D A B |
| XXXX | XXXX | 304875600 | XXXX A |
| XXXX | XXXX | 304819792 | XXXX C A |
| XXXX | XXXX | 304825194 | XXXX A |
| XXXX | XXXX | 304825187 | XXXX A |
| XXXX | XXXX | 304825184 | XXXX D A |
| XXXX | XXXX | 304825163 | XXXX A |
| XXXX | XXXX | 304843222 | XXXX C A |
| XXXX | XXXX | 304843141 | XXXX A |
| XXXX | XXXX | 304825216 | XXXX A |
| XXXX | XXXX | 304825218 | XXXX A D |
| XXXX | XXXX | 304825192 | XXXX C A B |
| XXXX | XXXX | 304875599 | XXXX C A |
| XXXX | XXXX | 304875551 | XXXX C A B |
| XXXX | XXXX | 304843183 | XXXX C A D |
| XXXX | XXXX | 304843244 | XXXX A |
| XXXX | XXXX | 304866870 | XXXX C A |
| XXXX | XXXX | 304866875 | XXXX A C |
| XXXX | XXXX | 304843157 | XXXX D A |
| XXXX | XXXX | 304856819 | XXXX D A |
| XXXX | XXXX | 304856747 | XXXX C A B |
| XXXX | XXXX | 304856723 | XXXX C A B |
| XXXX | XXXX | 304825224 | XXXX C A B |
| XXXX | XXXX | 304856732 | XXXX D A B |
| XXXX | XXXX | 304856674 | XXXX C A B |
| XXXX | XXXX | 304856839 | XXXX D A |
| XXXX | XXXX | 304856657 | XXXX A |
| XXXX | XXXX | 304856653 | XXXX A |
| XXXX | XXXX | 304856661 | XXXX C A B |
| XXXX | XXXX | 304875409 | XXXX C A |
| XXXX | XXXX | 304875449 | XXXX C A |
| XXXX | XXXX | 304875566 | XXXX A C |
| XXXX | XXXX | 304875432 | XXXX D A |
| XXXX | XXXX | 304856669 | XXXX D A |
| XXXX | XXXX | 304840580 | XXXX C D A |
| XXXX | XXXX | 304875513 | XXXX A C |
| XXXX | XXXX | 304856680 | XXXX D A |
| XXXX | XXXX | 304875573 | XXXX C A B |
| XXXX | XXXX | 304875339 | XXXX A |
| XXXX | XXXX | 304875481 | XXXX C A |
| XXXX | XXXX | 304875618 | XXXX C A |
| XXXX | XXXX | 304875543 | XXXX A |
| XXXX | XXXX | 304875495 | XXXX A |
| XXXX | XXXX | 304875544 | XXXX D A |
| XXXX | XXXX | 304875526 | XXXX A |
| XXXX | XXXX | 304875538 | XXXX A |
| XXXX | XXXX | 304875507 | XXXX D A |
| XXXX | XXXX | 304875496 | XXXX A |
| XXXX | XXXX | 304875408 | XXXX A |
| XXXX | XXXX | 304875468 | XXXX C A |
| XXXX | XXXX | 304875535 | XXXX C A B |
| XXXX | XXXX | 304875509 | XXXX C A |
| XXXX | XXXX | 304875447 | XXXX A |
| XXXX | XXXX | 304875562 | XXXX C A B |
| XXXX | XXXX | 304875428 | XXXX A |
| XXXX | XXXX | 304875528 | XXXX A |
| XXXX | XXXX | 304875425 | XXXX A C |
| XXXX | XXXX | 304875386 | XXXX D A |
| XXXX | XXXX | 304875532 | XXXX A |
| XXXX | XXXX | 304875556 | XXXX D A |
| XXXX | XXXX | 304875501 | XXXX A |
| XXXX | XXXX | 304875493 | XXXX D A |
| XXXX | XXXX | 304875605 | XXXX A |
| XXXX | XXXX | 304875381 | XXXX A |
| XXXX | XXXX | 304875524 | XXXX A |
| XXXX | XXXX | 304875558 | XXXX A |
| XXXX | XXXX | 304875465 | XXXX D A |
| XXXX | XXXX | 304875337 | XXXX D A |
| XXXX | XXXX | 304875500 | XXXX D A |
| XXXX | XXXX | 304875517 | XXXX A |
| XXXX | XXXX | 304875443 | XXXX A |
| XXXX | XXXX | 304875564 | XXXX C A B |
| XXXX | XXXX | 304875577 | XXXX A |
| XXXX | XXXX | 304875485 | XXXX D A |
| XXXX | XXXX | 304875622 | XXXX A |
| XXXX | XXXX | 304875511 | XXXX A |
| XXXX | XXXX | 304875461 | XXXX D C A B |
| XXXX | XXXX | 304875418 | XXXX D C A B |
| XXXX | XXXX | 304875372 | XXXX A |
| XXXX | XXXX | 304875563 | XXXX D A C |
| XXXX | XXXX | 304875426 | XXXX C A |
| XXXX | XXXX | 304875340 | XXXX A |
| XXXX | XXXX | 304875341 | XXXX D A |
| XXXX | XXXX | 304875456 | XXXX C A B |
| XXXX | XXXX | 304875469 | XXXX A |
| XXXX | XXXX | 304875474 | XXXX A |
| XXXX | XXXX | 304875480 | XXXX A |
| XXXX | XXXX | 304875388 | XXXX C A B |
| XXXX | XXXX | 304875442 | XXXX C A |
| XXXX | XXXX | 304875595 | XXXX C A B |
| XXXX | XXXX | 304875368 | XXXX A |
| XXXX | XXXX | 304875541 | XXXX A |
| XXXX | XXXX | 304875391 | XXXX C A B |
| XXXX | XXXX | 304875353 | XXXX B A |
| XXXX | XXXX | 304892534 | XXXX C A |
| XXXX | XXXX | 304875387 | XXXX D A |
| XXXX | XXXX | 304875416 | XXXX A |
| XXXX | XXXX | 304875345 | XXXX A |
| XXXX | XXXX | 304875510 | XXXX A |
| XXXX | XXXX | 304875476 | XXXX A |
| XXXX | XXXX | 304892578 | XXXX A |
| XXXX | XXXX | 304892523 | XXXX D A |
| XXXX | XXXX | 304892554 | XXXX A |
| XXXX | XXXX | 304875570 | XXXX A |
| XXXX | XXXX | 304892557 | XXXX C A |
| XXXX | XXXX | 304892614 | XXXX D A |
| XXXX | XXXX | 304892532 | XXXX C A B |
| XXXX | XXXX | 304892610 | XXXX A |
| XXXX | XXXX | 304892533 | XXXX A |
| XXXX | XXXX | 304875594 | XXXX A |
| XXXX | XXXX | 304892584 | XXXX D A |
| XXXX | XXXX | 304892581 | XXXX A |
| XXXX | XXXX | 304875393 | XXXX A |
| XXXX | XXXX | 304892579 | XXXX C A |
| XXXX | XXXX | 304892621 | XXXX A D |
| XXXX | XXXX | 304892602 | XXXX A |
| XXXX | XXXX | 304892622 | XXXX D A |
| XXXX | XXXX | 304892563 | XXXX D A |
| XXXX | XXXX | 304875569 | XXXX C A B |
| XXXX | XXXX | 304910059 | XXXX D A |
| XXXX | XXXX | 304894143 | XXXX D C A |
| XXXX | XXXX | 304910117 | XXXX C A |
| XXXX | XXXX | 304894112 | XXXX C A |
| XXXX | XXXX | 304894069 | XXXX A |
| XXXX | XXXX | 305030854 | XXXX A |
| XXXX | XXXX | 304894076 | XXXX D C A |
| XXXX | XXXX | 305023718 | XXXX C A |
| XXXX | XXXX | 305030884 | XXXX C A B |
| XXXX | XXXX | 305029482 | XXXX C A B |
| XXXX | XXXX | 305029401 | XXXX A |
| XXXX | XXXX | 305029451 | XXXX C A |
| XXXX | XXXX | 305029499 | XXXX A C D |
| XXXX | XXXX | 305029502 | XXXX A |
| XXXX | XXXX | 305029420 | XXXX B A |
| XXXX | XXXX | 305029419 | XXXX C A B |
| XXXX | XXXX | 305029483 | XXXX D A |
| XXXX | XXXX | 305029488 | XXXX D A |
| XXXX | XXXX | 305030838 | XXXX A D |
| XXXX | XXXX | 305029385 | XXXX D A B |
| XXXX | XXXX | 305029485 | XXXX A |
| XXXX | XXXX | 305029444 | XXXX A |
| XXXX | XXXX | 305029487 | XXXX A |
| XXXX | XXXX | 305029413 | XXXX A |
| XXXX | XXXX | 304894172 | XXXX C A B |
| XXXX | XXXX | 305029338 | XXXX A |
| XXXX | XXXX | 305030824 | XXXX C A |
| XXXX | XXXX | 305029415 | XXXX D A |
| XXXX | XXXX | 305030845 | XXXX A |
| XXXX | XXXX | 305029449 | XXXX A |
| XXXX | XXXX | 305030795 | XXXX A |
| XXXX | XXXX | 305029513 | XXXX C A |
| XXXX | XXXX | 305029368 | XXXX C A B |
| XXXX | XXXX | 305030877 | XXXX C A B |
| XXXX | XXXX | 305029363 | XXXX C A |
| XXXX | XXXX | 305029418 | XXXX A |
| XXXX | XXXX | 305029504 | XXXX D A |
| XXXX | XXXX | 305029458 | XXXX C A |
| XXXX | XXXX | 304897220 | XXXX A |
| XXXX | XXXX | 305029369 | XXXX C A |
| XXXX | XXXX | 305029516 | XXXX A |
| XXXX | XXXX | 305029472 | XXXX D A |
| XXXX | XXXX | 305029393 | XXXX C A |
| XXXX | XXXX | 305035373 | XXXX D A |
| XXXX | XXXX | 305035417 | XXXX D C A B |
| XXXX | XXXX | 305030829 | XXXX D A |
| XXXX | XXXX | 305035303 | XXXX C A |
| XXXX | XXXX | 305030883 | XXXX C A |
| XXXX | XXXX | 305035388 | XXXX A |
| XXXX | XXXX | 304897188 | XXXX D A |
| XXXX | XXXX | 305029493 | XXXX C A |
| XXXX | XXXX | 305035421 | XXXX C A |
| XXXX | XXXX | 305030805 | XXXX C A |
| XXXX | XXXX | 305035290 | XXXX C A |
| XXXX | XXXX | 305030873 | XXXX A |
| XXXX | XXXX | 305030806 | XXXX D A B |
| XXXX | XXXX | 305035381 | XXXX A |
| XXXX | XXXX | 305039276 | XXXX C A |
| XXXX | XXXX | 305030889 | XXXX A |
| XXXX | XXXX | 305035334 | XXXX C A |
| XXXX | XXXX | 305035330 | XXXX D A |
| XXXX | XXXX | 305030888 | XXXX A |
| XXXX | XXXX | 305030879 | XXXX C A B |
| XXXX | XXXX | 305035319 | XXXX C A |
| XXXX | XXXX | 305035316 | XXXX A |
| XXXX | XXXX | 305035424 | XXXX C A |
| XXXX | XXXX | 305035406 | XXXX A |
| XXXX | XXXX | 305035328 | XXXX D A |
| XXXX | XXXX | 305035365 | XXXX A |
| XXXX | XXXX | 305035411 | XXXX C A |
| XXXX | XXXX | 305035397 | XXXX C A |
| XXXX | XXXX | 305035311 | XXXX D A |
| XXXX | XXXX | 305035295 | XXXX D A |
| XXXX | XXXX | 305035299 | XXXX B A |
| XXXX | XXXX | 305035310 | XXXX A |
| XXXX | XXXX | 305035429 | XXXX C A |
| XXXX | XXXX | 305039299 | XXXX A |
| XXXX | XXXX | 305035346 | XXXX A |
| XXXX | XXXX | 305039286 | XXXX A |
| XXXX | XXXX | 305039339 | XXXX C A |
| XXXX | XXXX | 305039337 | XXXX C A |
| XXXX | XXXX | 305039217 | XXXX A |
| XXXX | XXXX | 305030827 | XXXX C A |
| XXXX | XXXX | 305029508 | XXXX A |

---

## Exhibit 99.10

**Exhibit 99.10**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 304381134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0062 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0062 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304443497 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304443509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304459726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.75 | 65.75 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 304474159 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 304495262 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.59 | 71.59 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304694465 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 62.55 | 62.55 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304702123 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | XXXX | 304736280 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | -.0111 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0111 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304754769 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875623 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304736051 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304736270 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304736021 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 304736263 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304875612 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.06 | 58.06 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304875611 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304758139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0809 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0809 | 91.0 | 0.09 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304754711 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 304758134 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.18 | 68.18 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304758160 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.34 | 79.34 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 304875624 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 65.97 | 65.97 | XXXX | XXXX | -.0135 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | -.0135 | XXXX | 1025 Small Residential Income Report |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875613 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304817013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX | XXXX | 304817001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304816991 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.99 | 64.99 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 304817018 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817038 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817037 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.58 | 69.58 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875600 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.29 | 64.29 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 304819792 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304825194 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825187 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304825163 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304843222 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0944 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0944 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | XXXX | 304843141 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825216 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 69.92 | 69.92 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825218 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 69.92 | 69.92 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825192 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 304875551 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.35 | 72.35 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 304843183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304843244 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.7 | 67.7 | XXXX | XXXX | -.0870 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0870 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | XXXX | 304866870 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 304866875 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.67 | 66.67 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 304843157 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0650 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304856819 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304856747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304856723 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304856732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304856674 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.96 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304856839 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 53.48 | 53.48 | XXXX | XXXX | -.0385 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0385 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304856657 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 42.86 | 42.86 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304856653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304856661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875566 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.09 | 34.09 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 304875432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304856669 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.0 | 58.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304840580 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0897 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0897 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 304875513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304856680 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 304875573 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0250 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0250 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875339 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.16 | 63.16 | XXXX | XXXX | .0105 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0105 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875481 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.5 | 50.5 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875618 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 51.67 | 51.67 | XXXX | XXXX | -.0235 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0235 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 69.0 | 69.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.9 | 62.9 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875538 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 36.67 | 36.67 | XXXX | XXXX | .0067 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0067 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 304875507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 304875496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875408 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 304875468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.02 | 34.02 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875447 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.42 | 59.42 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304875562 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 51.28 | 51.28 | XXXX | XXXX | .0256 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0256 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304875428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304875528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0283 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0283 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304875425 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.78 | 24.78 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875386 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304875532 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.77 | 52.77 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875556 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 304875501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 304875605 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.0 | 62.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875524 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 304875465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | XXXX | 304875337 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2 | XXXX |
| XXXX | XXXX | 304875500 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875517 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0750 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0750 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 304875443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 304875564 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0726 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0726 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875577 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.19 | 55.19 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875511 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .1562 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1562 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 304875372 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875426 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.63 | 67.63 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1.1 | XXXX |
| XXXX | XXXX | 304875340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 78.4 | 78.4 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 304875341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.94 | 89.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 304875456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 46.67 | 46.67 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875474 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304875388 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304875595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 39.33 | 39.33 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 304875368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 77.84 | 77.84 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.08 | 42.08 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 2.3 | XXXX |
| XXXX | XXXX | 304875391 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875353 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875345 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.85 | 79.85 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 304875476 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | XXXX | 304892578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0899 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0899 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304892523 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304892554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | 55.56 | 55.56 | XXXX | XXXX | .0778 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0778 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.18 | 61.18 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1.3 | XXXX |
| XXXX | XXXX | 304892557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304892614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304892532 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304892610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 304892533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.25 | 31.25 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304892584 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.33 | 50.33 | XXXX | XXXX | .0938 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0938 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892581 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 304875393 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.29 | 72.29 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 304892579 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304892621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304892602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892622 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | XXXX | 304892563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 304875569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.96 | 68.96 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 304910059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0181 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0181 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | XXXX | 304894143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 304910117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.45 | 79.45 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 304894112 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 83.19 | 83.19 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | XXXX | 304894069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0095 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0095 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305030854 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0601 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0601 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | XXXX | 304894076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305023718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | 71.59 | 71.59 | XXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.1021 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.1021 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 305029482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305029401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 40.0 | 40.0 | XXXX | XXXX | -.0085 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305029451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | XXXX | 305029499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.97 | 89.97 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305029502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305029420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | XXXX | 305029419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0353 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0353 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 305029488 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.93 | 58.93 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030838 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305029385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 305029485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305029444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0250 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0250 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029487 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304894172 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.22 | 62.22 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305029338 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0317 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0317 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 69.07 | 69.07 | XXXX | XXXX | -.0300 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0300 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | XXXX | 305029415 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 43.75 | 43.75 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305030845 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305029449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.8 | 67.8 | XXXX | XXXX | -.0167 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0167 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305030795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.81 | 69.81 | XXXX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305029513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.0 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | XXXX | 305029368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | XXXX | 305030877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305029363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305029418 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305029504 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305029458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1.8 | XXXX |
| XXXX | XXXX | 304897220 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305029369 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305029516 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.85 | 69.85 | XXXX | XXXX | .0477 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0477 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029472 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.94 | 64.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.0 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305029393 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305035373 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 305035417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305030829 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305035303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305030883 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305035388 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0020 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0020 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 304897188 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305029493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305035421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305035290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305030873 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1732 | 80.0 | 0.2 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | XXXX | 305035381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305039276 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305030889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 4.2 | XXXX |
| XXXX | XXXX | 305035334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305035330 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030888 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | XXXX | 305030879 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 305035319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305035316 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | XXXX | 305035424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305035406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.9 | XXXX |
| XXXX | XXXX | 305035328 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305035365 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | XXXX | 305035411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.88 | 59.88 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305035295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 22.54 | 22.54 | XXXX | XXXX | .1268 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1268 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | XXXX | 305035310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.2 | XXXX |
| XXXX | XXXX | 305035429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 305039299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305035346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0393 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0393 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039286 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 305039339 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0195 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0195 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305039337 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305039217 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 305030827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305029508 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |

---

## Exhibit 99.11

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

**Exhibit 99.11**

![](ex9911001.jpg)

![](ex9911002.jpg)

**March 12, 2026**<br> **Due Diligence Narrative Report**<br>

![](ex9911001.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **11** |
| **Appendix A: Credit Review Scope** | **12** |
| **Appendix B: Origination Appraisal Assessment** | **15** |
| **Appendix C: Regulatory Compliance Review Scope** | **18** |

---

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 1 March 12, 2026

![](ex9911001.jpg)

**Clayton Contact Information** 

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](ex9911003.jpg) | **Chris Turk** | Senior Client Service Director |
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk@clayton.com</u> |
| ![](ex9911003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of Hometown Equity Mortgage, LLC ("Hometown"), Clayton conducted an independent third-party pre-securitization due diligence review of 19 residential loans. The due diligence for Hometown (19 loans) took place between July, 2025 and December, 2025.

JPMorgan Chase Bank, National Association ("JPMorgan") acquired this diligence through a Reliance Letter purchase and selected these loans for the JPMMT 2026-NQX1 transaction.

This narrative report provides information about the original lender, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 19 | 100.00% |
| **Total** | **19** | **100.00%** |

---

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 2 March 12, 2026

![](ex9911001.jpg)

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

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

Sampling

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp; ***Loan Count*** <br> ***Reviewed by <br> Clayton***  | ***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | 19 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp; 19  |  |

---

Sponsor Acquisition Criteria

Clayton was supplied with the related guidelines in advance of our review. The subject loans were reviewed pursuant to the applicable Originators guidelines.

Loan Grading

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

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

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 3 March 12, 2026

![](ex9911001.jpg)

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

![](ex9911004.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Examined income, employment, assets, and occupancy status for reasonability; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Examined Data Verify/Fraudguard/Interthinx or similar risk evaluation report, which was ordered
by the Seller and received by Clayton for Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy
status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 4 March 12, 2026

![](ex9911001.jpg)

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original Appraisal Assessment (19 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value Supported Analysis (19 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Clayton had independent access to all products listed (please refer to the Valuations Report).

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tested for state-specific consumer protection laws including late charge and prepayment penalty
provisions;

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions;

QM/ATR Review: On applicable loans, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau, as further described on <u>Appendix C</u> attached hereto

For loans identified as QM based upon the revised QM definition, the scope included identifying whether loans met the QM definition in terms of loan term, fees and product features, and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable to the loan and (2) that the Lender considered and verified income, assets and debt in accordance with the revised QM standards.

Clayton included in its review an analysis to determine if the Lender's underwriting deviated from the VSH guidelines that the Lender documented that they used. This scope only applies if the Lender underwrote the loan to either chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide published June 3, 2020; or sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020. See Appendix C for more detail.

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 5 March 12, 2026

![](ex9911001.jpg)

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' on or after 10/3/2015); SFA RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following, for loans other than 'Covered
Loans' and loans with an Application Date prior to 10/3/2015:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice; and

– Affiliated Business Disclosure if applicable.

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

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

Following the June 15<sup>th</sup> , 2016 formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by JPMorgan.

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

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

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 6 March 12, 2026

![](ex9911001.jpg)

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payment

Data Capture

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

Data Integrity

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Discrepancies found during comparison are stored; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Each discrepancy is reported on the Clayton Loan Level Tape Compare.

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 7 March 12, 2026

![](ex9911001.jpg)

**Data Compare Results** 

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | **#** | **Accuracy %** |
| &nbsp;&nbsp;Borrower 1 Total Income | 1 | 94.74% |
| &nbsp;&nbsp;Borrower DSCR Percent | 1 | 94.74% |
| &nbsp;&nbsp;Cash Reserves | 8 | 57.89% |
| &nbsp;&nbsp;Combined LTV | 3 | 84.21% |
| &nbsp;&nbsp;Credit Report Date | 3 | 84.21% |
| &nbsp;&nbsp;Disbursement Date | 1 | 94.74% |
| &nbsp;&nbsp;Months Reserves | 16 | 15.79% |
| &nbsp;&nbsp;Next Payment Change Date | 1 | 94.74% |
| &nbsp;&nbsp;Product Type | 2 | 89.47% |
| &nbsp;&nbsp;Property Type | 2 | 89.47% |
| &nbsp;&nbsp;Total Cash Out | 9 | 52.63% |
| &nbsp;&nbsp;Total Monthly Income | 1 | 94.74% |

---

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 8 March 12, 2026

![](ex9911001.jpg)

**Clayton Due Diligence Results** 

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (19 loans)</u>

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 11 |  | 1 | 4 | **16** |
| **Final** | **B** |  |  | 2 | 1 | **3** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **11** | **0** | **3** | **5** | **19** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 13 |  | 2 | 3 | **18** |
| **Final** | B |  |  |  | 1 | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **13** | **0** | **2** | **4** | **19** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 18 |  |  | 1 | **19** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **18** | **0** | **0** | **1** | **19** |

---

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 9 March 12, 2026

![](ex9911001.jpg)

**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 7 |  |  | 1 | **8** |
| **Final** | B |  |  | 2 |  | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **7** | **0** | **2** | **1** | **10** |

---

The total count of loans that received a compliance review (10 loans) varies from the overall pool count (19 loans) due to investor loans not having applicability for compliance results.

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 10 March 12, 2026

![](ex9911001.jpg)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Exception Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Guideline Key

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating Agency Grades Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Supplemental Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Rating Agency Attestations

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 11 March 12, 2026

![](ex9911001.jpg)

**Appendix A: Credit Review Scope** 

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Financial statements

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 12 March 12, 2026

![](ex9911001.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;■ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Award letters

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

○ Asset review included:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Depository account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Settlements statements

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Leasehold estate

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 13 March 12, 2026

![](ex9911001.jpg)

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 14 March 12, 2026

![](ex9911001.jpg)

**Appendix B: Origination Appraisal Assessment** 

Where applicable, Clayton performed the following origination appraisal analysis:

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

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

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

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

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

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

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

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

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location map

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 15 March 12, 2026

![](ex9911001.jpg)

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

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

○ USPAP

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

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Predominant occupancy

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

D. Home Value Estimator (HVE) or similar Automated valuation Model (AVM) Assessment per applicable
originator guidelines

○ Clayton reviewed the HVE or similar AVM in file to confirm the value used for LTV

○ Clayton also confirmed the Property Address on HVE or similar AVM matched the subject address and was run within 90 days of closing.

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

○ 3 to 4 unit owner occupied properties

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 16 March 12, 2026

![](ex9911001.jpg)

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

G. Disclaimer

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

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

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

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

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

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 17 March 12, 2026

![](ex9911001.jpg)

**Appendix C: Regulatory Compliance Review Scope** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 18 March 12, 2026

![](ex9911001.jpg)

○ For loans identified as QM based upon the revised QM definition, the scope included identifying whether loans met the QM definition in terms of loan term, fees and product features, and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable to the loan and (2) that the lender considered and verified income, assets and debt in accordance with the revised QM standards.

○ For loans identified as QM under the revised QM definition, as applicable, an added element was to identify whether the lender used guidelines that provided a Verification Safe Harbor, based on the following review scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Lender provided a VSH Indicator. (The VSH indicator was provided within the loan images, on the data tape, or as part of the
loan program/guidelines being originated to.) The loan guidelines utilize one of the specified GSE June 2020 guidelines to meet
VSH. In the event the lender has identified the loan to have VSH status, then the TPR firm reviewed to identify documentation variances
that would cause one to question the VSH attestation from the lender. If variances are identified then the loan would not be identified
by the TPR firm to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Under this review scope, if an AUS provides a lesser documentation standard than the Safe Harbor guideline and the Safe Harbor
guideline does not contain a specific allowance for the reduced documentation, the AUS in and of itself will not evidence of VSH.
For example, Section B3-3.5 of the Fannie Mae guidelines contains two instances where lesser DU documentation is allowable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Clayton does not independently affirm that a lender's guidelines meet VSH or that a court would determine that the lender
met the QM consider and verify standards.

○ TILA/RESPA Integrated Disclosures ("TRID")

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

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

● Pre-application forms cannot look similar to the LE

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Timing Requirements:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee Tolerances:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Payment Schedule Accuracy:

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

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

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

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

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 19 March 12, 2026

![](ex9911001.jpg)

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Technical Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Waivers

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

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

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

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

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

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

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

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 20 March 12, 2026

![](ex9911001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Related Documentation

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

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

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

● Accuracy of the Aggregate Adjustment amount.

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

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

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

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

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

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

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

---

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

---

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |

---

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 21 March 12, 2026

![](ex9911001.jpg)

---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

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

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

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

---

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

---

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 22 March 12, 2026

![](ex9911001.jpg)

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

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

---

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

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

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

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

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

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

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 23 March 12, 2026

![](ex9911001.jpg)

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

JPMMT 2026-NQX1 Due Diligence Narrative Report Page \| 24 March 12, 2026

## Exhibit 99.12

**Exhibit 99.12**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 304732626 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11808.65 | 7600.57 |
| 304732626 | XXXXXX | XXXXXX | Total Cash Out | 76689.02 | 174949.97 |
| 304732626 | XXXXXX | XXXXXX | Total Monthly Income | 11808.65 | 7600.57 |
| 304732554 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304732554 | XXXXXX | XXXXXX | Months Reserves | 6.00 | 12.67 |
| 304813504 | XXXXXX | XXXXXX | Cash Reserves | 30150.85 | 106143.32 |
| 304813504 | XXXXXX | XXXXXX | Months Reserves | 6.00 | 29.61 |
| 304840674 | XXXXXX | XXXXXX | Cash Reserves | 131552.31 | 73812.80 |
| 304840674 | XXXXXX | XXXXXX | Months Reserves | 127.00 | 49.49 |
| 304840674 | XXXXXX | XXXXXX | Total Cash Out | 57739.81 | 0.00 |
| 304894222 | XXXXXX | XXXXXX | Cash Reserves | 106140.58 | 24817.56 |
| 304894222 | XXXXXX | XXXXXX | Months Reserves | 103.00 | 16.94 |
| 304894222 | XXXXXX | XXXXXX | Total Cash Out | 44568.26 | 0.00 |
| 304840597 | XXXXXX | XXXXXX | Cash Reserves | 57584.95 | 26764.75 |
| 304840597 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304840597 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304840597 | XXXXXX | XXXXXX | Months Reserves | 10.00 | 5.63 |
| 304840597 | XXXXXX | XXXXXX | Total Cash Out | (1793.68) | 0.00 |
| 304840561 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304840561 | XXXXXX | XXXXXX | Months Reserves | '-45.00 | 18.39 |
| 304840561 | XXXXXX | XXXXXX | Total Cash Out | 148797.44 | 143435.86 |
| 304840545 | XXXXXX | XXXXXX | Borrower DSCR Percent | 1.8204 | 1.1289 |
| 304840545 | XXXXXX | XXXXXX | Cash Reserves | 486355.78 | 76836.33 |
| 304840545 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304840545 | XXXXXX | XXXXXX | Months Reserves | 15.00 | 14.46 |
| 304840545 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 304840545 | XXXXXX | XXXXXX | Total Cash Out | 407518.99 | 0.00 |
| 304840536 | XXXXXX | XXXXXX | Months Reserves | 114.00 | 94.93 |
| 304894213 | XXXXXX | XXXXXX | Months Reserves | 6.00 | 118.20 |
| 304894213 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304894203 | XXXXXX | XXXXXX | Cash Reserves | 157720.00 | 31933.10 |
| 304894203 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304894203 | XXXXXX | XXXXXX | Months Reserves | 9.00 | 8.96 |
| 304894203 | XXXXXX | XXXXXX | Total Cash Out | 125786.90 | 0.00 |
| 304897228 | XXXXXX | XXXXXX | Months Reserves | 98.00 | 110.66 |
| 304894150 | XXXXXX | XXXXXX | Cash Reserves | 3211.92 | 330538.08 |
| 304894150 | XXXXXX | XXXXXX | Months Reserves | 110.00 | 110.38 |
| 304897256 | XXXXXX | XXXXXX | Cash Reserves | 160187.00 | 97929.68 |
| 304897256 | XXXXXX | XXXXXX | Months Reserves | 133.00 | 42.58 |
| 304897256 | XXXXXX | XXXXXX | Next Payment Change Date | XXXXXX | XXXXXX |
| 304897256 | XXXXXX | XXXXXX | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 304897256 | XXXXXX | XXXXXX | Total Cash Out | 144613.98 | 0.00 |
| 304897208 | XXXXXX | XXXXXX | Months Reserves | 152.00 | 124.31 |
| 304894080 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304894080 | XXXXXX | XXXXXX | Months Reserves | 6.00 | 6.13 |
| 304894080 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 304894080 | XXXXXX | XXXXXX | Total Cash Out | (195.75) | 0.00 |
| 304894079 | XXXXXX | XXXXXX | Months Reserves | 113.00 | 0.90 |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.13

**Exhibit 99.13**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Seller Name** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 304732626 | XXXXXX | (No Data) | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Provide compEase or Mavent ran at or near closing, Including un-discounted starting rate. | 7.18.25-Client provided lock confirmation. Please confirm if 7% is the starting, un-discounted starting rate. (rate prior to any discount points)7.21.25-Client provided Starting , un-discounted rate of 7.5%. Satisfied. | 7.21.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $76689.02, 25.21 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 663 exceeds the minimum of 660<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced by $1771.13/month or 36.80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.77% is below the maximum of 50% |
| 304732626 | XXXXXX | (No Data) | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing payoffs for mortgage with XXXXXX and XXXXX along with evidence HELOC will be closed. | 7.23.25 Final title policy uploaded7.23.25 exception satisfied | 7.23.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $76689.02, 25.21 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 663 exceeds the minimum of 660<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced by $1771.13/month or 36.80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.77% is below the maximum of 50% |
| 304732554 | XXXXXX | (No Data) | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing verification that mortgage payment, $2,145.00 , for property located on XXXXXX is escrowed to include both taxes and hazard. | 7-21-25 Client responded: Uploaded amended 1008 / 1003 with supporting docs | 7-22-25 Clayton reviewed documents and file. Updated mortgage debt for Indies Dr to include taxes and insurance which increased debt. Reviewed income and updated SS income to $4467.75 which increased in January and includes the 15% increase for non-taxable income. (Lender application/1008 reflects higher SS income of $5,800.02 which was a temporary amount verified on awards letter dated 11-7-24) DTI is now 50.24% therefore new exception due to max DTI of 50% on NON-QHEM +. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17+ Years owning present business<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low credit usage of 17.79%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.67 months cash reserves/ 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 663/660 minimum. |
| 304732554 | XXXXXX | (No Data) | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | DTI | Active C B | CRDDTI187 | Debt Ratio > 50% | No | Excessive DTI at XXXXXX. Max is 50%. Based on Income XXXXXX (SS is XXXXXX which is grossed up 115%) with Primary PITIA XXXXXX + other REO XXXXXX + other debt XXXXXX DTI.Lender used higher SSN at XXXXX and XXXXXX less on REO.Clayton deems non-material/non-fatal to lending decision as only less than a XXXXXX over limit or XXXXXX. Compensating factors include: Credit score XXXXXX minimum, XXXXXX year on job, minimal credit usage at XXXXXX and XXXXXX months cash reserves/ XXXXXX months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17+ Years owning present business<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low credit usage of 17.79%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.67 months cash reserves/ 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 663/660 minimum. |
| 304732554 | XXXXXX | (No Data) | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | A D B | D | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification that mortgage payment, $2,145.00 , for property located on XXXXXX is escrowed to include both taxes and hazard. | 7-21-25 Client responded: Uploaded amended 1008 / 1003 with supporting docs | 7-22-25 Clayton reviewed documents and file. Updated mortgage debt for Indies Dr to include taxes and insurance which increased debt. Reviewed income and updated SS income to $4467.75 which increased in January and includes the 15% increase for non-taxable income. (Lender application/1008 reflects higher SS income of $5,800.02 which was a temporary amount verified on awards letter dated 11-7-24) DTI is now 50.24% therefore new exception due to max DTI of 50% on NON-QHEM +. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17+ Years owning present business<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low credit usage of 17.79%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.67 months cash reserves/ 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 663/660 minimum. |
| 304813504 | XXXXXX | (No Data) | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6.4 years employed with Top Pro Construction LLC<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid-score per CBR. 720 minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 88 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 18 months of 0x30 mortgage history per CBR. |
| 304840674 | XXXXXX | (No Data) | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | No Finding | No Finding | No Finding D A | No Finding | No Finding | No | UW lender Approval not found in file. | 9-23-25 Client uploaded approval. | 9-24-25 Clayton reviewed approval. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 794 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 49.49 months of reserves is above the 0 required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 147 months of 0x30 consumer credit history per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years living at primary residence. |
| 304894222 | XXXXXX | (No Data) | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 776 is above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x46 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 304840597 | XXXXXX | (No Data) | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5511 | TRID - CD: Monthly Non-Escrowed Amount in Projected Payments is inconsistent with annual cost in the Loan Disclosures section (SFIG 3.0) | No | CD 10/1/25 Estimated Taxes, Insurance & Assessments section shows property taxes, insurance and HOA dues total XXXXXX. Since HOA dues are not in escrow, deducting the HOA amount from taxes and insurance shows the correct monthly amount that matches initial escrow disclosure of XXXXXX. Please provide documentation of monthly HOA fees along with LOX and redisclosed CD correcting either Estimated taxes, Insurance, & Assessments section or Loan disclosure section. | 10.23.25-Client provided corrected PCCD, provide LOX including evidence of delivery to borrower via 3rd party tracking.10.28.25-Client provided LOX & Proof of delivery. Satisfied. | 10.28.25-Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 78.79% is below the maximum allowable of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 5.63 months exceeds the required 3 months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.48% is below the maximum allowable 50%. |
| 304840561 | XXXXXX | (No Data) | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | No Finding | No Finding | No Finding C A | No Finding | No Finding | No | Missing current Homeowners insurance policy. Insurance policy provided appears to be the renewal supported by an effective date of 10/21/25. | 10-8-25: client uploaded current HOI, verifies coverage from 10-21-24 to 10-21-25. | 10-8-25: Clayton reviewed current HOI, verifies coverage from 10-21-24 to 10-21-25. With coverage already in file, coverage now from 10-21-24 to 10-21-26. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $143435.86, 18.39 months reserves, 0 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 683 exceeds the minimum of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 61 months reviewed for primary residence mtg exceeds the required 12 months |
| 304840545 | XXXXXX | (No Data) | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | No Finding | No Finding | No Finding D A | No Finding | No Finding | No | Please provide Final HUD-1 | 10-21-25 Client uploaded final HUD. | 10-22-25 Clayton reviewed final HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV < max permitted of 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $76,836.33, 14.46 months; 6 months required. |
| 304840536 | XXXXXX | (No Data) | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70 is below guideline requirement max of 75.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 730 exceeds guidelines.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage ratio of 16.00 reflects a minimal use of credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $385,806.95 or 94.93 months PITI reserves exceed required reserves of ($4,063.97 x 6 = $24,383.82). |
| 304894213 | XXXXXX | (No Data) | XXXXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 762 is above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.667%; guidelines allow 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $101,668.87/118.20 PITIA which is > guideline minimum of 3 months ITIA. |
| 304894203 | XXXXXX | (No Data) | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of761 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $31933.10 or 8.96 months of PITIA. 0 months required. |
| 304897242 | XXXXXX | (No Data) | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 675 is 15 points above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; guidelines allow 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $78,807.98, 18.24 months; 3 months required. |
| 304897228 | XXXXXX | (No Data) | XXXXXX | MO | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | No Finding | No Finding | No Finding D A | No Finding | No Finding | No | Provide final hud-1. | 12-2-25 Client uploaded final HUD. | 12-3-25 Clayton reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 772 is 32 points above minimum program requirement of 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $147,502.70/110.66 PITIA which is > guideline minimum of 3 months PITIA.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30x99 credit history. |
| 304897227 | XXXXXX | (No Data) | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 772. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 107.53 months piti reserves |
| 304894150 | XXXXXX | (No Data) | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of693 is above the required 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $330538.08 or 110.38 months of PITIA. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.7 is below the maximum allowable of 70 |
| 304897256 | XXXXXX | (No Data) | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $97,929.68, 42.58 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV is below the 75% max.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: 5% extra down than required. |
| 304897208 | XXXXXX | (No Data) | XXXXXX | NC | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | No Finding | No Finding | No Finding D A | No Finding | No Finding | No | Missing updated valuation to support appraised value; CU score in file is >2.5. | 12-3-25 Client uploaded CDA. | 12-3-25 Clayton reviewed CDA and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 731 is above the required 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.48%;guidelines allows 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $228,991.88, 124.31 months. 12 months required. |
| 304894080 | XXXXXX | (No Data) | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6.9 years employed with J Power Tuners LLC<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 55 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid-score per CBR. 680 minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 14 months of 0x30 mortgage history per CBR. 12 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 84.90% LTV per review; 90% LTV is maximum allowed per guidelines. |
| 304894079 | XXXXXX | (No Data) | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 FICO score is above the 700 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 78.72% LTV is below the 80% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: .9 months reserves are above the required 0. |

---

## Exhibit 99.14

**Exhibit 99.14**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 304732626 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 304732554 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 304813504 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 304840674 | XXXXXX | N/A | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 304894222 | XXXXXX | N/A | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 304840597 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 304840561 | XXXXXX | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 304840545 | XXXXXX | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 304840536 | XXXXXX | N/A | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 304894213 | XXXXXX | N/A | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 304894203 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 304897242 | XXXXXX | N/A | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 304897228 | XXXXXX | N/A | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 304897227 | XXXXXX | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 304894150 | XXXXXX | N/A | XXXXXX | XXXXXX A | A | A | A | A | No |
| 304897256 | XXXXXX | N/A | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 304897208 | XXXXXX | N/A | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 304894080 | XXXXXX | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 304894079 | XXXXXX | N/A | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |

---

## Exhibit 99.15

**Exhibit 99.15**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans In Report:* | *19* | *19* |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| *Loans In Report:* |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 304732626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304732554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 10.93% | HouseCanary | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304813504 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| 304840674 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| 304894222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304840597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304840561 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304840545 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| 304840536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304894213 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 304894203 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.65% | Clear Capital | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 304897242 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 304897228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| 304897227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| 304894150 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| 304897256 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304897208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 304894080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304894079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |

---

The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com

## Exhibit 99.16

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

**Exhibit 99.16**

![](ex9916001.jpg)

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association, through a bulk purchase. The review included a total of four hundred and fifty-five (455) residential mortgage loans, in connection with the securitization identified as JPMMT 2026-NQX1 (the "Securitization"). The Review was conducted from February 2024 through February 2026 on mortgage loans originated between January 2024 and January 2026.

**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)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed
 to determine sufficiency for consideration in the Credit Review. The Credit Documentation
 review consisted of the following:

○ **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors;

○ **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements and contains OFAC clearance;

○ **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation in the loan file when required by lender or Client specified underwriting guidelines. For rental properties where existing leases are required to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards;

○ **Asset Documentation:** Confirmation of presence of asset documentation requirements relative to loan type and guideline requirements for verification of closing funds and reserves;

○ **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued identification verification for each borrower (i.e. driver's license, state ID, passport);

○ **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate for the subject property and that flood insurance is also documented when required;

○ **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary independent estimate of value;

○ **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws, related amendments and filings or other organizing and operating documentation relative to the commercial borrower entity;

○ **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy of the Articles of Incorporation establishing registration within the state of operation;

○ **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration by confirming the presence of a web print out or certification of good standing for the state is in the file;

○ **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that the individual executing the loan agreements has been given signing authority on behalf of the borrowing entity.

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's
 interest in the loan and the borrower(s)' obligations thereunder was conducted
 with the purpose of validating their presence in the mortgage loan file and sufficiency
 of execution:

○ **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan agreement or security instrument as applicable and that the agreement is properly executed by all parties. Confirm that all applicable allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties. If the subject loan has reached or is nearing maturity confirm that an extension agreement is present and duly executed by all required parties;

○ **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file and is duly executed and notarized and that it contains all applicable riders including an assignment of rents;

○ **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies with all applicable underwriting and legal requirements including those for timing, form, authority and execution;

○ **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial entity borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty for the loan;

○ **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower statement verifying that the loan is for commercial purpose and that the subject property will not be owner occupied;

○ **Title Policy:** Confirmation that the file contains evidence of title insurance and that the title is free from material defects that could affect lien position;

○ **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced in the loan file and properly conveys interest in the subject property;

○ **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and Sale Agreement along with any counter offers and modified terms of sale;

○ **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence of a final settlement statement in the mortgage loan file.

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under which
 each loan qualification review took place. Qualification criteria includes:

○ **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements of underwriting guidelines;

○ **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets to meet underwriting standards;

○ **Debt-Service Coverage Ratios "DSCR":** Applicable to DSCR loans, calculate the debt-service coverage ratio to ensure it meets minimum guideline standards;

○ **Credit History:** Review the borrower credit reports and any supplemental credit history documentation to verify whether the borrower met guideline requirements;

○ **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit score used in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as specified in the underwriting guidelines;

○ **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the loan is accurate and compliant with guideline requirements. For Business Purpose and Investment loans, verify the presence of a borrower executed affidavit confirming the commercial/business purpose of the loan and ensure that no other documentation in the loan file indicates the subject property is being used for non-business purposes;

○ **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification and underwriting guideline standards based on the calculation methods set forth in underwriting guidelines;

○ **Insurance:** Confirm the adequacy of hazard insurance coverage and that premiums are included in PITI calculations. If required based on flood zone, confirm the presence and adequacy of flood insurance coverage and that premiums are included in PITI calculations;

○ **Compensating Factors:** Review and validate any compensating factors used in the qualification of the loan and in consideration of loan level underwriting guideline exceptions;

○ **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required per underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question;

○ **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor guideline overlays were fully documented, properly approved, and supported;

○ **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports have been reviewed.

**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

&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. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of 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;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower(s)

&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 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 and all additional property valuation documentation to determine whether
 source, format and type meet program and guideline eligibility requirements, and that
 property is in "average" condition or better. If the property requires cosmetic
 improvements (as defined by the appraiser), confirm that they do not affect habitability.

&nbsp;&nbsp;&nbsp;&nbsp;b. As
 applicable, assess rental income schedules

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. As
 applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;n. 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;o. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 Federal Home Loan Mortgage Corporation Loan Collateral Advisor appraisal ("LCA")
 risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score
 was greater than 2.5 or the LCA appraisal risk score was not eligible for Collateral
 Rep and Warranty relief, an additional valuation product was obtained to confirm value
 was supported within 10% tolerance. In some instances, based on guidance from the seller,
 CDA's were ordered on loans that had an acceptable CU score or Collateral Rep and
 Warranty relief eligibility.

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

For loans reviewed in a post-close valuation review scenario (455 loans in total):

One hundred ninety-eight (198) loans had a Desktop Review, thirteen (13) loans had an AVM, five (5) loans had a BPO, and fourteen (14) loans had a Second Appraisal. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or the AVM FSD score did not meet allowable thresholds, then a Desktop Review, Field Review, Broker Price Opinion (BPO) along with a Reconciliation of the value, or a 2nd appraisal was required.

There were zero (0) occurrences of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the four hundred and fifty-five (455) mortgage loans reviewed, two hundred eighty-eight (288) unique mortgage loans (63.30% by loan count) had a total of four hundred and fifty-six (456) tape discrepancies across forty-nine (49) 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;Application Date | &nbsp;&nbsp;148 | &nbsp;&nbsp;32.46% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;27 | &nbsp;&nbsp;5.92% |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;27 | &nbsp;&nbsp;5.92% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;24 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;20 | &nbsp;&nbsp;4.39% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;17 | &nbsp;&nbsp;3.73% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;3.51% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;14 | &nbsp;&nbsp;3.07% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;13 | &nbsp;&nbsp;2.85% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.19% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.97% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.97% |
| &nbsp;&nbsp;Percent of Borrower's Funds for Down Payment | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.75% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;Lock Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.32% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;NON QM Months Reserves | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;Mo Pymt (P&I) | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Property Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Postal Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Qualifying Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Street Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**456** | &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;387 | &nbsp;&nbsp;$171966130.00 | &nbsp;&nbsp;85.05% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;68 | &nbsp;&nbsp;$28463116.00 | &nbsp;&nbsp;14.95% |
| &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;455 | &nbsp;&nbsp;$200429246.00 | &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;402 | &nbsp;&nbsp;88.35% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;53 | &nbsp;&nbsp;11.65% |
| &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;455 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Results (As applicable, 173 loans within population did not receive a Compliance Review):** | &nbsp;&nbsp;**Compliance Results (As applicable, 173 loans within population did not receive a Compliance Review):** | &nbsp;&nbsp;**Compliance Results (As applicable, 173 loans within population did not receive a Compliance Review):** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;269 | &nbsp;&nbsp;95.39% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.61% |
| &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;282 | &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;451 | &nbsp;&nbsp;99.12% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.88% |
| &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;455 | &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;297 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Guarantor Identification Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;3 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Asset 5 Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Undocumented Large Deposit/Increase | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Business Bank Statements Less Than 12 Months Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income documentation does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1-4 Family Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Income - Bank Statements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Personal Bank Statements Less Than 12 Months Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Fraud: Red Flag Variances are not properly addressed in the file | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income 1 Income Trend is Decreasing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 IRS Transcripts Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Prepayment Rider | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Rent Loss Coverage Not Sufficient | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing rent comparable schedule form 1007 | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Asset 6 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Citizenship Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Application Profile Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Title issue | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Potential Fraud Reflected on Fraud Report | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 IRS Transcripts Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Potential Ownership issues identified in file | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**497** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Maximum Borrower Exposure Exceeded | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Application/Processing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Flood Insurance Policy Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Application Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Guaranty Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Non-Arms Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Significant Derogatory Credit Event – Requirement Not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Property Listed for Sale on Refinance Transaction | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 IRS Transcripts Do Not Match Income Docs | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Closing Documentation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Credit Report Aged | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**71** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;141 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;104 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Texas F2 Notice for Home Equity Disclosure is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Right of Rescission is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TX Const, Art 16, § 50(a)(6)(M)(i) - Texas 50(a)(6) Notice for Home Equity Disclosure is not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Closing Disclosure Deficiency | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;NY Subprime Home Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Qualified Mortgage APR Threshold Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Qualified Mortgage Interest Only Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**373** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID: Closing Disclosure Deficiency | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Prepayment Penalty Information Unavailable | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**13** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;263 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Exterior Inspection Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;UCDP Summary Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;External Obsolescence Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**297** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**4** |

---

**Event Grade Definitions** 

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.17

**Exhibit 99.17**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304392913 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per Calculation |
| 304392906 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per assets |
| 304392902 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | XXX assets used at XXX% |
| 304392878 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | These are the total assets minus the cash to close requirements from the CD |
| 304392847 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per Calc |
| 304392744 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Post close assets. |
| 304392716 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Total assets post close |
| 304392700 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | per assets |
| 304392679 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per asset documentation |
| 304973615 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Bank Statement Program loan. B1 is Self Employed. |
| 304973615 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per asset documentation |
| 304839428 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Verified by the URLA |
| 304839428 | XXXXX |  | Initial Monthly P&I Or IO Payment | XXX | XXX | Verified by the note |
| 304866587 | XXXXX |  | Initial Monthly P&I Or IO Payment | XXX | XXX | Initial I/O payment is correct as per final note. |
| 304866587 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Post closing assets includes deduction for closing costs and EMD. |
| 304891053 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Verified by the URLA |
| 304891053 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Verified by the bank Statement |
| 304891152 | XXXXX |  | Initial Monthly P&I Or IO Payment | XXX | XXX | Per Note |
| 304891152 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per asset documentation |
| 304897280 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | The 1003 reflects the borrower as a Non Perm resident |
| 304897280 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Bank Statement income used to qualify. Verified by the URLA |
| 304897280 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | The reserves has been factored into the total assets |
| 304873944 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per asset documentation |
| 304873984 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Verified by the URLA |
| 304873984 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per asset documentation |
| 304877937 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Data Confirmed with CPA letter |
| 304877937 | XXXXX |  | Borrower 2 Self-Employment Flag | XXX | XXX | Self employed per documentation in file |
| 304877937 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per asset documentation |
| 304877932 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Verified by the URLA |
| 304877932 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Verified by the bank Statement |
| 304879043 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Self employed per documentation in file |
| 304879043 | XXXXX |  | Borrower 2 Self-Employment Flag | XXX | XXX | Self employed per documentation in file |
| 304879043 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Cash out proceeds |
| 304893420 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Verified by the URLA |
| 304893420 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Verified by the bank Statements |
| 304896720 | XXXXX |  | Initial Monthly P&I Or IO Payment | XXX | XXX | Per Note |
| 304896720 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per docs |
| 304897015 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | B1 Self-Employed per CPA Letter |
| 304897015 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per asset documentation |
| 304893925 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Self employed per documentation in file |
| 304893925 | XXXXX |  | Qualifying FICO | XXX | XXX | Per origination credit report |
| 304893925 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | based on the audit and available funds |
| 304897438 | XXXXX |  | ARM Lifetime Interest Rate Cap Maximum | XXX | XXX | Audit value pulled from Note |
| 304897438 | XXXXX |  | ARM Lifetime Interest Rate Minimum | XXX | XXX | Note |
| 304907267 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self employed |
| 304907267 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Verified assets are XXX |
| 304848638 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | verified this is correct amount for retirement account |
| 304897267 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB |
| 304897267 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Per employment data |
| 304897267 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per assets |
| 304891043 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Post Closing Funds |
| 304892642 | XXXXX |  | Initial Monthly P&I Or IO Payment | XXX | XXX | Verified by the note |
| 304484725 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per documentation in file |
| 304484725 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation, Note, Hazard and Taxes |
| 304484725 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation |
| 304484725 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset documentation |
| 304757125 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 304757125 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| 304757125 | XXXXX | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation, not including IRA account |
| 304757125 | XXXXX | XXXXX | Total Qualified Assets Available | XXX | XXX | Per asset documentation |
| 304757105 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal delivery receipt |
| 304757105 | XXXXX | XXXXX | Qualifying FICO | XXX | XXX | Primary wage earner FICO |
| 304757105 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per liquid assets in file |
| 304757105 | XXXXX | XXXXX | Total Liquid Assets Available For Close | XXX | XXX | Per liquid assets in file |
| 304757105 | XXXXX | XXXXX | Total Qualified Assets Available | XXX | XXX | Per assets in file |
| 304757130 | XXXXX | XXXXX | Borrower 1 FTHB | XXX | XXX | Per 1003/fraud report |
| 304757130 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal delivery receipt |
| 304757130 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file |
| 304757130 | XXXXX | XXXXX | Total Qualified Assets Available | XXX | XXX | Per assets in file |
| 304898165 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304898157 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The initial application is dated XX/XX/XXXX and LM reflects as much. |
| 304898091 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX |
| 304375552 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Business Purpose Loan |
| 304375552 | XXXXX |  | Property Type | XXX | XXX | Per Appraisal |
| 304638280 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304638280 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304489855 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per audit of income vs debts |
| 304489855 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304489855 | XXXXX |  | Borrower 1 SSN | XXX | XXX | Per F1003, SS card, and credit report |
| 304638015 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003. |
| 304695154 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | er AUS debts and calculations |
| 304695154 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 304695154 | XXXXX |  | Number of Borrowers | XXX | XXX | per note |
| 304704749 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXX page XXX |
| 304735966 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and debt |
| 304735966 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 304875922 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Inital 1003 |
| 304757730 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304757730 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per loan approval |
| 304902813 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX per the initial 1003 in file is XX/XX/XXXX. |
| 304823801 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304812712 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304823784 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304812665 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304823766 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304823766 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 304823745 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304844230 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304812555 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 304812555 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Confirmed with Loan Approval. |
| 304844220 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial loan application LO signature date |
| 304844220 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per the signature date of the final CD |
| 304818019 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304818019 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304875913 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | updated per business purpose due to investment property |
| 304818001 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304893378 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed, audit DTI increased due to income calculated lower at audit using XXX months bank Statements provided (differs from the lenders calculator). |
| 304893378 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on initial 1003 in file. |
| 304817902 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304817902 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304823664 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI higher due to real eState owned payments calculated in audit higher higher than lender calculations |
| 304823664 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304823664 | XXXXX |  | Property Type | XXX | XXX | Per appraisal |
| 304859740 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859740 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304823586 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304823570 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Inital 1003 |
| 304844182 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and debt and XXX |
| 304844182 | XXXXX |  | Number of Borrowers | XXX | XXX | Per Note |
| 304859734 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304823460 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902803 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Audit XXX taken from the initial loan application. |
| 304871948 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304871946 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304844078 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX per initial application. |
| 304875903 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 304871941 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated per the initial 1003 |
| 304871941 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | updated per the HUD in file |
| 304871941 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | updated per the business purpose form and income |
| 304859704 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859695 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304859695 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | XXX, per Loan Approval. |
| 304859688 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The Initial 1003 confirms the loan Originator signature date as app date. |
| 304871935 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003, XX/XX/XXXX. |
| 304843919 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | updated per income and liabilities - rental income from the subject appears to be the difference of liabilities on XXX and credit review. |
| 304843919 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304843919 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | updated per business purpose form signed and it being an investment property |
| 304843915 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304859660 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed with bank Statements provided for income verification and Credit Report. Audit income was lower for both borrowers. The bank Statement figures are the same. Unable to determine Lender's higher monthly income. |
| 304902797 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902797 | XXXXX |  | Interest Rate | XXX | XXX | updated per note |
| 304871921 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304871921 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304859647 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859632 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 304859632 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Confirmed with Loan Approval. |
| 304871915 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304871915 | XXXXX |  | Property Type | XXX | XXX | Per Appraisal |
| 304871912 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304871911 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304871904 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304859600 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304902793 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304875885 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 304871891 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304875883 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304893358 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304871870 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 304871870 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304859565 | XXXXX |  | Property Type | XXX | XXX | Per Condo Rider |
| 304859547 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304859536 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304871856 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304902782 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304859531 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Application. |
| 304859531 | XXXXX |  | Borrower 1 SSN | XXX | XXX | Per Application. |
| 304859531 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per Approval. |
| 304859530 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304859530 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | updated per business purpose as it's a investment c/o refi |
| 304859528 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304859519 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304871840 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304902767 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on earliest dated 1003. |
| 304871821 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304871820 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Final 1003 income XXX vs XXX income XXX which is XXX% expense factor derived from CPA. |
| 304871820 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304871815 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304871815 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | updated per loan being business purpose |
| 304875822 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304875821 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | updated per income and liabilities - difference is due to the expenses for the REO properties, doesn't appear lender used all of the in DTI. |
| 304875821 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304871776 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 304871775 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304893302 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304875806 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304902738 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | The Lender excluded a debt for XXX which is listed on the subject Credit Report and was included on the Final 1003. Additionally, the Lender used XXX more in rental income for the departing address. The DTI increased from XXX% to XXX%. |
| 304902738 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304902738 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304871741 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on earliest dated 1003 in file. |
| 304871730 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304871729 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304871713 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304871704 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304902726 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902726 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | updated per final CD |
| 304902724 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304875779 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304871678 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304871677 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% per audit. UTD tape DTI. PITI, Primary payment, income and liabilities are consistent with Final 1003. |
| 304871677 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304871677 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | XXX, per Loan Approval. |
| 304875771 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304875771 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | updated per being business purpose loan |
| 304871665 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304893261 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304871644 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304871644 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | updated per income type |
| 304875761 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial 1003. |
| 304902697 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304875752 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 304902696 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304902695 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304875749 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Lender calculated higher income from Bank Statement REO calculations. More conservative income utilized. |
| 304875749 | XXXXX |  | Property Value | $XXX | $XXX | XXX = XXX, XXX = XXX. |
| 304902683 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304875727 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 304902679 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per docs |
| 304902678 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on initial 1003 in file. |
| 304902675 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304902675 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304902673 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Difference of income is XXX which is contributing to the higher DTI of XXX% and the loan doesn't qualify for the the requirements of over XXX% DTI because it is a cash out refi and only allowed on a Primary purchase transaction. XXX month bank Statement, lender doubled the XXX bank deposits which is not correct. |
| 304902673 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902673 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | updated per final CD |
| 304902671 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on earliest dated 1003 in file. |
| 304902667 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304875699 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304893194 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 304893194 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 304902641 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304902638 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304875673 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304893183 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Compliance. |
| 304902631 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on earliest dated 1003 in file. |
| 304902625 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on earliest dated 1003 in file. |
| 304902625 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Confirmed on lender approval, Core NonQM. |
| 304902613 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Audit XXX is confirmed from the initial loan application. |
| 304902613 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Subject is a business purpose loan with the business purpose affidavit on XXX |
| 304871878 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on earliest application in file. |
| 304902600 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902594 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on initial 1003 in file. |
| 304902580 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304902579 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed, DTI increased due to audit calculation of REO payments per mortgage Statements is higher than lender calculated. |
| 304902579 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on CD. XXX XX/XX/XXXX and disbursement date XXX/XXX. |
| 304902576 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902575 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304902560 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304893049 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 304893047 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initlal 1003 |
| 304893039 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304902545 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX XX/XX/XXXX |
| 304902541 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304902541 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304902510 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304902493 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902477 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304902474 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902474 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | updated per business purpose transaction - investment purchase |
| 304902456 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 304902448 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304902444 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902436 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Max DTI is XXX% DTI after addition of school tax for subject, in addition, REO calculated income lower using XXX rent. DTI increased to XXX%. |
| 304902436 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on initial 1003 in file. |
| 304902407 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Investment purchase - Non QM. |
| 304902400 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 304902385 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304902385 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | updated per DSCR loan type and business purpose form |
| 305037812 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 305037794 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines |
| 305037787 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 305037781 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 305037775 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. |
| 305037736 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 305037736 | XXXXX |  | Property Type | XXX | XXX | updated per appraisal |
| 305037725 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 305037720 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305037717 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified from income vs debts |
| 305037717 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX |
| 305037717 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | QM/ATR Exempt |
| 305037705 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305037689 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 305037669 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 305037666 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Inital 1003 |
| 305037658 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 304495514 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304495514 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file |
| 304495480 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304495480 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file |
| 304757253 | XXXXX |  | Property Value | $XXX | $XXX | Using purchase price as Value, lower than appraised value |
| 304757253 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per Asset documentation in file |
| 304757215 | XXXXX |  | Property Value | $XXX | $XXX | Confirmed with Appraisal Report. |
| 304757215 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements provided. |
| 304828021 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Review of borrower's verified liquid assets reveals qualifying reserves ;Required Reserves: XX/XX/XXXX months minimum (per approval) |
| 304866933 | XXXXX |  | Property Value | $XXX | $XXX | Appraisal confirms the value of XXX million vs purchase price of XXX million. |
| 304866933 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Audit has verified remaining assets/PITI equals reserves. |
| 304866925 | XXXXX |  | Property Value | $XXX | $XXX | Per the appraisal, the lower Purchase price was used to qualify. |
| 304866925 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per the Most recent asset Statements |
| 304495397 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 304495397 | XXXXX |  | Property Value | $XXX | $XXX | Per Appraisal vs XXX |
| 304866912 | XXXXX |  | Property Value | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 304495327 | XXXXX |  | Property Value | $XXX | $XXX | Appraised Value is XXX Lower purchase price of XXX used to qualify. |
| 304495327 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per the Assets |
| 304866839 | XXXXX |  | Property Value | $XXX | $XXX | updated per appraisal |
| 304866839 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | updated per bank Statements |
| 304866837 | XXXXX |  | Property Value | $XXX | $XXX | Using Purchase price as XXX since it is lower than the appraised value |
| 304866837 | XXXXX |  | Qualifying FICO | XXX | XXX | Per ITIN guidelines use primary Borrower's score |
| 304866837 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 305023984 | XXXXX |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per Final CD and Purchase Contract |
| 305029598 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed the XXX of XX/XX/XXXX as per the Lock Confirmation. |
| 305029598 | XXXXX |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Confirmed percentage of B contributions as per the GLs |
| 305029598 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is higher than Lender DTI of XXX% missing the XXX for comparison. |
| 304896362 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | initial app vs XXX captured by compliance |
| 304896362 | XXXXX |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per assets documentation in file. |
| 304896362 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI matches XXX and Lender |
| 305043895 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Last rate lock in file is dated XXX. |
| 304893888 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Per lock confirmation. |
| 305013544 | XXXXX |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | confirmed to final CD |
| 305013544 | XXXXX |  | Property County | XXX | XXX | verified county per title and appraisal |
| 304893887 | XXXXX |  | Qualifying CLTV | XXX | XXX | Confirmed per XXX and DU. |
| 304893887 | XXXXX |  | Qualifying LTV | XXX | XXX | Confirmed per XXX and DU. |
| 304893887 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed per XXX and DU. |
| 304887757 | XXXXX |  | Originator DSCR | XXX | XXX | Per PITIA and lease agreement docs in file. |
| 304887757 | XXXXX |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per assets documentation in file. |
| 304879080 | XXXXX |  | Originator DSCR | XXX | XXX | The initial XXX reflects the DSCR of XXX. |
| 304879080 | XXXXX |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Confirming XXX% of funds for down payment came from borrower. |
| 305031555 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Per lock confirmation. |
| 305031555 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value per documented income and debts |
| 304905082 | XXXXX |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Confirmed to asset docs in file |
| 304905082 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified to XXX/loan approval |
| 305025793 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | XXX XX/XX/XXXX |
| 305025793 | XXXXX |  | Property County | XXX | XXX | Per Deed County is XXX |
| 304904246 | XXXXX |  | Property County | XXX | XXX | Confirmed XXX as county as per the Deed of Trust |
| 304904246 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is higher than Lender DTI due to XXX installment loan at XXX monthly/$XXX bal was not included in the pay offs at closing. |
| 304893877 | XXXXX |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per assets documentation in file. |
| 304898914 | XXXXX | XXXXX | Loan Amount | $XXXXXX | $XXXXXX | The subject Note reflected a XXX of XXX |
| 305013270 | XXXXX | XXXXX | Interest Rate | XXX | XXX | Audit data is correct, per note |
| 305013270 | XXXXX | XXXXX | Loan Amount | $XXXXXX | $XXXXXX | Audit data is correct, per note |
| 305024961 | XXXXX | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | confirmed per XXX lender used taxes at XXX vs. audit at XXX per tax record sheet page XXX All other info, pi & hoi & all other debt match lender and audit. |
| 305031261 | XXXXX | XXXXX | Interest Rate | XXX | XXX | The Note reflects an XXX of XXX%. |
| 305033664 | XXXXX | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Matched Lender Approval |
| 304909525 | XXXXX |  | Borrower 1 First Name | XXX | XXX | XXX is listed as primary borrower on the Note. |
| 305012466 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Per lock confirmation |
| 305012466 | XXXXX |  | Property Type | XXX | XXX | Per appraisal |
| 305012466 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per XXX |
| 304894000 | XXXXX |  | Postal Code | XXX | XXX |  |
| 304889794 | XXXXX |  | Property Type | XXX | XXX |  |
| 304898963 | XXXXX |  | Qualifying FICO | XXX | XXX | Using credit report dated XX/XX/XXXX |
| 304898963 | XXXXX |  | Property Type | XXX | XXX | same |
| 304867365 | XXXXX |  | Property Type | XXX | XXX | same |
| 304867365 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal reflects XXX |
| 304867365 | XXXXX |  | LTV | XXX | XXX | XXX: $XXX/$XXX |
| 304867461 | XXXXX |  | Qualifying FICO | XXX | XXX | Using credit report dated XX/XX/XXXX |
| 304867461 | XXXXX |  | DSCR | XXX | XXX | Matches DSCR in file |
| 304849215 | XXXXX |  | Amortization Type | XXX | XXX | Note reflects XX/XX/XXXX ARM IO |
| 304849215 | XXXXX |  | P&I | XXX | XXX | Note reflects XX/XX/XXXX |
| 304849215 | XXXXX |  | Interest Only Term | XXX | XXX |  |
| 304849215 | XXXXX |  | LTV | XXX | XXX |  |
| 304889924 | XXXXX |  | Property Type | XXX | XXX | same |
| 304889924 | XXXXX |  | DSCR | XXX | XXX | Using monthly lease rent of XXX |
| 304898952 | XXXXX |  | Amortization Type | XXX | XXX | Note reflects XX/XX/XXXX ARM IO |
| 304898952 | XXXXX |  | Property Type | XXX | XXX | Same |
| 304898952 | XXXXX |  | LTV | XXX | XXX | XXX: $XXX/$XXX |
| 304898952 | XXXXX |  | DSCR | XXX | XXX | monthly breakdown: XXX income(XXX% of market rent) / XXX P&I + XXX Insurance + XXX Taxes |
| 304366875 | XXXXX |  | Interest Rate | XXX | XXX |  |
| 304366875 | XXXXX |  | Qualifying FICO | XXX | XXX | XXX is correct |
| 304366875 | XXXXX |  | As-Is Value | $XXX | $XXX |  |
| 304898299 | XXXXX |  | P&I | XXX | XXX | Note reflects XXX |
| 304898299 | XXXXX |  | Interest Only | XXX | XXX | Note reflects IO |
| 304898299 | XXXXX |  | Property Units | XXX | XXX | Appraisal reflects XXX units |
| 304843764 | XXXXX |  | DSCR | XXX | XXX | Utilizing lease rents in file |
| 304459204 | XXXXX |  | Qualifying FICO | XXX | XXX |  |
| 304459356 | XXXXX |  | Qualifying FICO | XXX | XXX | Using credit score from XX/XX/XXXX |
| 304933506 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Note dated XX/XX/XXXX reflects XXX |
| 304933506 | XXXXX |  | P&I | XXX | XXX | Note dated XX/XX/XXXX reflects XXX |
| 304933506 | XXXXX |  | Street Address | XXX | XXX | Added Unit # |
| 304897424 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304833609 | XXXXX |  | Property Type | XXX | XXX | appraisal reflects attached |
| 304833609 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: XXX Income/ XXX P/I + XXX insurance + taxes XXX |
| 304833608 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Note dated XX/XX/XXXX reflects XXX |
| 304833608 | XXXXX |  | P&I | XXX | XXX | Note dated XX/XX/XXXX reflects XXX |
| 304685820 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: XXX income/ XXX P&I + XXX insurance + XXX taxes + XXX HOA |
| 304855089 | XXXXX |  | Property Type | XXX | XXX | appraisal reflects attached |
| 304779639 | XXXXX |  | Interest Rate | XXX | XXX | Note dated XX/XX/XXXX reflects XXX |
| 304898614 | XXXXX |  | Property Type | XXX | XXX | Appraisal reflects attached |
| 304898613 | XXXXX |  | Interest Rate | XXX | XXX | Note dated XX/XX/XXXX reflects XXX% |
| 304898615 | XXXXX |  | Interest Rate | XXX | XXX | Same |
| 304898591 | XXXXX |  | LTV | XXX | XXX | XXX $XXX/$XXX |
| 304898587 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX Reflects XXX |
| 304898587 | XXXXX |  | LTV | XXX | XXX | XXX $XXX/$XXX |
| 304871666 | XXXXX |  | Property Type | XXX | XXX | Per appraisal, propert is XXX-units (non-PUD) |
| 304859489 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX TIA |
| 304859489 | XXXXX |  | DSCR | XXX | XXX | XXX Market Rent / XXX PITIA |
| 304902669 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rent / XXX PITIA = XX/XX/XXXX DSCR |
| 304859479 | XXXXX |  | P&I | XXX | XXX | Per Note, P&I is XXX |
| 304893120 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 304859445 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 304844215 | XXXXX |  | P&I | XXX | XXX | P&I is XXX |
| 304844215 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 304875809 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 304875809 | XXXXX |  | DSCR | XXX | XXX | XXX% market rents / XXX PITIA = XX/XX/XXXX DSCR |
| 304902389 | XXXXX |  | P&I | XXX | XXX | P&I is XXX |
| 304902389 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 304902389 | XXXXX |  | Monthly Insurance | XXX | XXX | Includes two policies |
| 304875873 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 304875873 | XXXXX |  | DSCR | XXX | XXX | XXX Market rents / XXX PITIA = XX/XX/XXXX DSCR |
| 304908738 | XXXXX |  | Property Type | XXX | XXX | Property has XXX units |
| 304908738 | XXXXX |  | DSCR | XXX | XXX | ($XXX mkt rent - XXX mgmt fees)/$XXX PITIA = XX/XX/XXXX DSCR |
| 304902502 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 304902502 | XXXXX |  | DSCR | XXX | XXX | XXX market rents / XXX PITIA = XX/XX/XXXX DSCR |
| 305037620 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 304891093 | XXXXX |  | DSCR | XXX | XXX | XXX market rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 305037694 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 305037782 | XXXXX |  | P&I | XXX | XXX | Per Note, P&I is XXX |
| 305037782 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 305037782 | XXXXX |  | DSCR | XXX | XXX | XXX Market Rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 305037613 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 304757830 | XXXXX |  | Interest Only Term | XXX | XXX | XXX is XXX per Note in file |
| 304757830 | XXXXX |  | Property Type | XXX | XXX | Appraisal reflects property is XXX units |
| 304818184 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax = XXX PITIA |
| 304818179 | XXXXX |  | Loan Purpose | XXX | XXX | Loan is No Cash-Out as all loan proceeds are paying of existing mortgage on the subject property |
| 304844143 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Note date XX/XX/XXXX |
| 304812738 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 304812738 | XXXXX |  | Property Type | XXX | XXX | XXX is an Attached PUD |
| 304817988 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 304823827 | XXXXX |  | Loan Purpose | XXX | XXX | Cash-to-borrower amount is only XXX% of XXX |
| 304823827 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 304844219 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 304823605 | XXXXX |  | P&I | XXX | XXX | Note reflects P&I of XXX |
| 304823605 | XXXXX |  | PITIA | XXX | XXX | P&I is XXX + TIA XXX |
| 304823605 | XXXXX |  | DSCR | XXX | XXX | Income: XXX / P&XXX + Taxes: XXX + Insurance: XXX |
| 304844026 | XXXXX |  | PITIA | XXX | XXX | P&I is XXX + TIA: XXX |
| 304844026 | XXXXX |  | DSCR | XXX | XXX | Income: XXX / P&I: XXX + Taxes: XXX + Insurance: XXX + HOA XXX |
| 304843954 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 304843954 | XXXXX |  | DSCR | XXX | XXX | XXX rent / XXX PITIA = XX/XX/XXXX DSCR |
| 304859506 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 304859569 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax + XXX HOA = XXX |
| 304844053 | XXXXX |  | Qualifying FICO | XXX | XXX | Median FICO is XXX per credit score dated XX/XX/XXXX |
| 304871954 | XXXXX |  | DSCR | XXX | XXX | Taking XXX% market rents of XXX |
| 304866876 | XXXXX |  | Sales Price | XXX | XXX | Purchase price XXX |
| 304866876 | XXXXX |  | Qualifying Value | $XXX | $XXX | Purchase price XXX |
| 304866876 | XXXXX |  | DSCR | XXX | XXX | XXX / XXX = XX/XX/XXXX DSCR |
| 304866876 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | Note reflects XXX P&I |
| 304325913 | XXXXX |  | As-Is Value | $XXX | $XXX | As is value versus purchase price |
| 304325913 | XXXXX |  | T & I Payment | XXX | XXX | Taxes, insurance, and HOA |
| 304325913 | XXXXX |  | NON QM Months Reserves | XXX | XXX | Months reserves based on funds to close in file |
| 304866919 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | P&I is XXX per note |
| 304866919 | XXXXX |  | T & I Payment | XXX | XXX | XXX insurance + XXX taxes = XXX TIA |
| 304866919 | XXXXX |  | NON QM Months Reserves | XXX | XXX | Months reserves based on funds to close in file |
| 304866921 | XXXXX |  | Property Type | XXX | XXX | Subject is a XXX unit apartment building |
| 304866921 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | P&I is XXX per note |
| 304866921 | XXXXX |  | T & I Payment | XXX | XXX | XXX insurance + XXX taxes = XXX TIA |
| 304866921 | XXXXX |  | NON QM Months Reserves | XXX | XXX | Months reserves based on funds to close in file |
| 304866918 | XXXXX |  | DSCR | XXX | XXX | XXX lease rents / XXX PITIA = XX/XX/XXXX DSCR |
| 304866918 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | P&I is XXX per note |
| 304866918 | XXXXX |  | T & I Payment | XXX | XXX | XXX insurance + XXX taxes = XXX TIA |
| 304866918 | XXXXX |  | NON QM Months Reserves | XXX | XXX | Months reserves based on funds to close in file |
| 304757217 | XXXXX |  | T & I Payment | XXX | XXX | XXX taxes + XXX insurance + XXX Flood = XXX TIA |

---

## Exhibit 99.18

**Exhibit 99.18**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXXXX | 304392913 | finding-3352 | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392913 | FCRE8999 | 10/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392913 | FPRO8998 | 10/04/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392906 | FVAL3825 | 10/17/2024 | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. - The subject county is being offered individual assistance for the XXX (DR-XXX-XXX), which was recently declared on XX/XX/XXXX and now requires a PDI. | PDI | Property Inspection Provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/17/2024 | C A |
| XXX | XXXXX | 304392906 | finding-3352 | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392906 | FCRE8999 | 10/04/2024 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392906 | FVAL9739 | 10/03/2024 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The subject transaction is for a cash-out refinance of a new construction Primary Residence owned by borrower for over a year, however, the Appraisal report reflects that the subject property is vacant as borrower was living with parents waiting for completion of subject property. Because subject is a owner occupied property, appraisal would need to reflect same. However, the loan file contains a lender approved exception to bypass appraisal correction and move forward with closing. The Lender identified the following compensating factors to justify this approval; DTI >= XXX% lower than program maximum, no credit events in the past XXX-months and XXX plus years credit history. Exception downgraded to a level 2/B. | Property/Appraisal guideline violation: The subject transaction is for a cash-out refinance of a new construction Primary Residence owned by borrower for over a year, however, the Appraisal report reflects that the subject property is vacant as borrower was living with parents waiting for completion of subject property. Because subject is a owner occupied property, appraisal would need to reflect same. However, the loan file contains a lender approved exception to bypass appraisal correction and move forward with closing. The Lender identified the following compensating factors to justify this approval; DTI >= XXX% lower than program maximum, no credit events in the past XXX-months and XXX plus years credit history. Exception downgraded to a level 2/B. | Lender approved exception in file to bypass appraisal correction and move forward with closing. The Lender identified the following compensating factors to justify this approval; DTI >= XXX% lower than program maximum, no credit events in the past XXX-months and XXX plus years credit history. Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes B |
| XXX | XXXXX | 304392902 | finding-3352 | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML loan with established escrows and met appraisal requirements. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML loan with established escrows and met appraisal requirements. | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392902 | FCRE8999 | 10/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392902 | FPRO8998 | 10/04/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392878 | FPRO1501 | 05/01/2025 | Property | Missing Doc | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete Financial information questions were not answered on the HOA Questionnaire. Audit is unable to determine if XXX has pending litigation. | HOA Questionnaire is not required as we have XXX project approval. | Explanation provided is sufficient. Exception resolved.; HOA Questionnaire Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/01/2025 | B A |
| XXX | XXXXX | 304392878 | FCRE9995 | 04/25/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Guidelines require XXX months reserves for first-time homebuyers. Based on the verified assets of $XXX, the cash to close requirement of $XXX and the XXX months reserves totaling $XXX, the documented assets are short $XXX to meet the program requirements. | Borrower's total available assets on loan are $XXX (XXX #XXX $XXX, XXX #XXX $XXX, XXX (XXX%) # XXX $XXX, XXX #XXX $XXX, XXX (XXX, XXX%) $XXX). And assets available for reserves are $XXX | Explanation provided is sufficient. Exception resolved.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/25/2025 | C A |
| XXX | XXXXX | 304392878 | FCOM3849 | 10/23/2024 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). | Supporting document provided; Please see attached Invoice for Appraisal paid by borrower | Evidence of appraisal delivery provided.; The document provided does not confirm the borrower received a copy of the appraisal at least XXX days prior to consummation. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/23/2024 | B A |
| XXX | XXXXX | 304392878 | FCOM3531 | 10/23/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. | Supporting document provided; Please see attached Invoice for Appraisal paid by borrower | Evidence of Appraisal Delivery to the Borrower Provided.; The document provided does not confirm the borrower received a copy of the appraisal at least XXX days prior to consummation. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/23/2024 | C A |
| XXX | XXXXX | 304392878 | FCRE7124 | 10/23/2024 | Credit | Income/Employment | Borrower 1 XXX Transcripts Do Not Match Income Docs | Borrower 1 XXX Transcripts Do Not Match Income Docs The XX/XX/XXXX XXX tax transcripts reflect no record of returns filed for B1. The XX/XX/XXXX tax returns were utilized in the calculation of the qualifying income. Missing verification that XXX received/processed the XX/XX/XXXX tax returns and that they match the XX/XX/XXXX personal returns provided. | Please see attached exception form; Requested document provided | The Borrower's qualifying income was calculated utilizing the XX/XX/XXXX and XX/XX/XXXX tax returns. After a review of the XXX Transcript information, the XXX does not have a record of ever receiving a XX/XX/XXXX tax return. The XX/XX/XXXX tax return cannot be used for qualifying. However, the loan file contains a Lender approved exception allowing the file to proceed as is. The Lender identified the following compensating factors to justify the exception; residual income greater than $XXX, no credit events in the past XXX months, XXX+ years credit history, no consumer late payments in the last XXX months, XXX+ Borrowers on the loan, credit score great than XXX points over minimum required, reserves greater than XXX months. Exception downgraded to a level 2/B.; Document provided is the request for the transcripts, the XXX-C. The actual transcripts reflecting the income for XX/XX/XXXX, and matching those to the returns provided in the file are what is requested. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXXXX | 304392878 | finding-3352 | 10/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML not compliant as evidence of delivery of appraisal to Borrowers not in file. | Supporting document provided; Please see attached Invoice for Appraisal paid by borrower | HPML compliant, appraisal delivery provided; Exception resolved; The document provided does not confirm the borrower received a copy of the appraisal at least XXX days prior to consummation. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/14/2024 | C A |
| XXX | XXXXX | 304392847 | FCRE1203 | 10/06/2024 | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report Fraud Report shows borrower once owned the subject property, sold it, and is now purchasing the unit again. It further States that the sales price of the subject is XXX% below property value. | We had AVM on file with FSD score XXX and Value $XXX. Regard the property ownership it's different unit number ubject property has unit #XXX and the one borrower resided was #XXX e had LOX on file on relationship between seller and borrower.; We had AVM on file with FSD score XXX and Value $XXX. | Explanation provided is sufficient. Exception resolved.; Potential Fraud Reflected on Fraud Report is Resolved or None Exists | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/06/2024 | C A |
| XXX | XXXXX | 304392847 | FPRO8998 | 09/25/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/25/2024 | A |
| XXX | XXXXX | 304392847 | FCOM8997 | 09/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/25/2024 | A |
| XXX | XXXXX | 304392847 | FCRE9995 | 09/25/2024 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Lender Exception in file for the Reserves on XXX-day XXX account. Lender exception documented in file and supported by the following compensating factors: No credit events past XXX months, No mortgage late payments in the last XXX months, No consumer late payments in the last XXX months. Exception downgraded to a level 2/B. | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Lender Exception in file for the Reserves on XXX-day XXX account. Lender exception documented in file and supported by the following compensating factors: No credit events past XXX months, No mortgage late payments in the last XXX months, No consumer late payments in the last XXX months. Exception downgraded to a level 2/B. | Lender exception documented in file and supported by the following compensating factors: No credit events past XXX months, No mortgage late payments in the last XXX months, No consumer late payments in the last XXX months. Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 304392744 | FCOM5135 | 10/06/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Please see attached doc | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/06/2024 | B A |
| XXX | XXXXX | 304392744 | finding-3352 | 10/02/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304392744 | FCRE8999 | 10/02/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304392744 | FPRO8998 | 10/02/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304392716 | FCOM5135 | 10/09/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The ABA is missing from the loan file. | Please see attached doc | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/09/2024 | B A |
| XXX | XXXXX | 304392716 | FCOM3530 | 10/09/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than XXX days Prior to Consummation (12 CFR 1026.35(c)(6)) | Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than XXX days prior to consummation of XX/XX/XXXX. Missing evidence borrower received the appraisal report at least XXX business days prior to loan closing. | Please see attached doc | Date of Borrower Receipt of Appraisal exceeds XXX business days from Closing Date, or Unable to Determine | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/09/2024 | C A |
| XXX | XXXXX | 304392716 | finding-3352 | 10/08/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Unable to downgrade HPML. Missing evidence borrower received the appraisal report at least XXX business days prior to loan closing. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please see attached doc | Appraisal delivery provided; HPML compliant, Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/08/2024 | C A |
| XXX | XXXXX | 304392716 | FCRE8999 | 10/02/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304392716 | FPRO8998 | 10/02/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304392700 | FCRE6763 | 10/08/2024 | Credit | Income/Employment | Income documentation does not meet guidelines | The lender condition approval required updated XXX wage/XXX transcripts to support borrower's work history with XXX as reflected on the Final 1003, but missing. Further, missing XXX transcripts for the borrower's XXX. | Please see response from our UW attached \| | Document provided is sufficient. Exception resolved. |  | Resolved | 10/08/2024 | C A |
| XXX | XXXXX | 304392700 | FCRE7810 | 10/08/2024 | Credit | Title | Title issue | Missing the E&O insurance for XXX | the E&O in the file. Please find attached. \| also please see response from our UW attached. \| \| | Document provided is sufficient. Exception resolved. |  | Resolved | 10/08/2024 | C A |
| XXX | XXXXX | 304392700 | finding-3352 | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant |  | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392700 | FPRO8998 | 10/04/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only |  | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392700 | FCRE1165 | 10/01/2024 | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Flood Insurance Policy Partially Provided The flood insurance in file does not meet lender guidelines as the roof coverage is no on replacement cost, but only actual cash value. However, a lender approved exception in the loan file granted approval to accept the flood insurance policy as is, and identified the following compensating factors to justify the approval; DTI >=XXX% lower than loan program, XXX plus years credit history and LTV XXX% below maximum. Exception downgraded to a level 2/B. | Flood Insurance Policy Partially Provided The flood insurance in file does not meet lender guidelines as the roof coverage is no on replacement cost, but only actual cash value. However, a lender approved exception in the loan file granted approval to accept the flood insurance policy as is, and identified the following compensating factors to justify the approval; DTI >=XXX% lower than loan program, XXX plus years credit history and LTV XXX% below maximum. Exception downgraded to a level 2/B. | Lender approved exception in loan file granted approval to accept the flood insurance policy as is, and identified the following compensating factors to justify the approval; DTI >=XXX% lower than loan program, XXX plus years credit history and LTV 10% below maximum. Exception downgraded to a level 2/B. | Lender approved exception in loan file granted approval to accept the flood insurance policy as is, and identified the following compensating factors to justify the approval; DTI >=XXX% lower than loan program, XXX plus years credit history and LTV 10% below maximum. Exception downgraded to a level 2/B. | Acknowledged |  | Yes B |
| XXX | XXXXX | 304392679 | finding-3352 | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392679 | FPRO8998 | 10/04/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392679 | FCRE9992 | 10/01/2024 | Credit | Assets | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The Borrower is required to contribute at least XXX% towards the down payment and closing costs on the subject transaction when the LTV is over XXX% The Borrower did not contribute the required XXX%. However, the loan file contains a lender approved exception for not meeting the XXX% contribution. The Lender identified the following compensating factors to justify this exception: Borrower has XXX years on current job, residual income is greater than $XXX, XXX years in the same line of employment, and reserves are greater than XXX months. Exception downgraded to a level 2/B. |  | The loan file contains a lender approved exception for not meeting the XXX% contribution. The Lender identified the following compensating factors to justify this exception: Borrower has XXX years on current job, residual income is greater than $XXX, XXX years in the same line of employment, and reserves are greater than XXX months. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 304973615 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304973615 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | No property findings Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304973615 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304839428 | finding-3532 | 12/04/2025 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. 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 CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation on XX/XX/XXXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | XXX XX/XX/XXXX Please see the attached Closing Disclosure and TRID worksheet with proof that both borrowers were sent an Initial Closing Disclosure on XX/XX/XXXX and the mailbox rule was applied. This meets the XXX business days before the closing date of XX/XX/XXXX. | Initial CD provided; exception resolved; Initial CD provided; exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.06% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.06% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2025 | C A |
| XXX | XXXXX | 304839428 | finding-3652 | 12/04/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he 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 ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i). Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. Because the loan failed the Initial CD Delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely. Therefore, the decrease to the Lender Credits on the final CD dated XX/XX/XXXX did not reset baseline. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | XXX XX/XX/XXXX On XX/XX/XXXX there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at - XXX% or -$XXX with lender paid compensation of $XXX and a Final Cost to the Borrower of - XXX% or -$XXX. Please see attached lock confirmation and Closing Disclosure. | Initial CD provided; exception resolved; Initial CD provided; exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.06% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.06% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2025 | C A |
| XXX | XXXXX | 304839428 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.06% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.06% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304839428 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.06% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.06% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304866587 | finding-4035 | 01/14/2026 | Compliance | ComplianceEase | Qualified Mortgage Interest Only Test | This loan failed the qualified mortgage interest only test. (12 CFR 1026.43(e)(2)(i)(B))A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer repayment of principal his loan is an interest only loan or a graduated payment mortgage. Documentation required: Loan was approved as Safe Harbor QM according to Lock Confirmation dated XX/XX/XXXX. | XXX XX/XX/XXXX Disagree. This loan is not subject to QM; XXX XX/XX/XXXX This loan is Safe Harbor. The Difference between APR of XXX and APOR of XXX is XXX%; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial Disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. | Loan redesignated by Seller as NonQM. Condition cleared.; Loan is an interest only loan which automatically makes it a non QM loan; Changing the application date did not affect the QM status on the loan. Please confirm you are aware this loan is a Non QM loan? Thank you | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | C A |
| XXX | XXXXX | 304866587 | finding-3367 | 12/15/2025 | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Documentation required: Initial loan application date is XX/XX/XXXX. Please provide Initial LE issued within XXX days of loan application or evidence of application date. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. | XXX XX/XX/XXXX Disagree. This loan is not subject to QM; XXX XX/XX/XXXX This loan is Safe Harbor. The Difference between APR of XXX and APOR of XXX is XXX%; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial Disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. | Client confirmed that all XXX piece of information for application date was not received until XX/XX/XXXX. Exception resolved; Client confirmed that all XXX piece of information for application date was not received until XX/XX/XXXX. Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/15/2025 | B A |
| XXX | XXXXX | 304866587 | finding-3634 | 12/15/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Documentation required: Initial loan application date is XX/XX/XXXX. Please provide Initial LE issued within XXX days of loan application or evidence of application date. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX XX/XX/XXXX Disagree. This loan is not subject to QM; XXX XX/XX/XXXX This loan is Safe Harbor. The Difference between APR of XXX and APOR of XXX is XXX%; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial Disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. | Client confirmed that all XXX piece of information for application date was not received until XX/XX/XXXX. Exception resolved; Client confirmed that all XXX piece of information for application date was not received until XX/XX/XXXX. Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/15/2025 | C A |
| XXX | XXXXX | 304866587 | finding-3635 | 12/15/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than XXX% Test | Documentation required: Initial loan application date is XX/XX/XXXX. Please provide Initial LE issued within XXX days of loan application or evidence of application date. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | XXX XX/XX/XXXX Disagree. This loan is not subject to QM; XXX XX/XX/XXXX This loan is Safe Harbor. The Difference between APR of XXX and APOR of XXX is XXX%; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial Disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. | Client confirmed that all XXX piece of information for application date was not received until XX/XX/XXXX. Exception resolved; Client confirmed that all XXX piece of information for application date was not received until XX/XX/XXXX. Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/15/2025 | C A |
| XXX | XXXXX | 304866587 | finding-3515 | 12/15/2025 | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Documentation required: Initial loan application date is XX/XX/XXXX. Please provide Initial LE issued within XXX days of loan application or evidence of application date. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX XX/XX/XXXX Disagree. This loan is not subject to QM; XXX XX/XX/XXXX This loan is Safe Harbor. The Difference between APR of XXX and APOR of XXX is XXX%; XXX XX/XX/XXXX Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial Disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all XXX pieces of information. | Client confirmed that all XXX piece of information for application date was not received until XX/XX/XXXX. Exception resolved; Client confirmed that all XXX piece of information for application date was not received until XX/XX/XXXX. Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/15/2025 | C A |
| XXX | XXXXX | 304866587 | FCRE8999 | 12/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304866587 | FPRO8998 | 12/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304891053 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304891053 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304891152 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.79% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.79% is less than Guideline CLTV of 80% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304891152 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.79% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.79% is less than Guideline CLTV of 80% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304891152 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45.79% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45.79% is less than Guideline CLTV of 80% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897280 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897280 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897280 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304873944 | FCRE7497 | 12/19/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide supporting documentation for PITI payment for XXX. | XX/XX/XXXX - XXX: The mortgage on this property is currently being serviced by UWM. Please see the attached closing disclosure. Additionally, this property is a single family residence. HOA dues are not applicable. | Documentation is sufficient. CD provided. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2025 | D A |
| XXX | XXXXX | 304873944 | FPRO8998 | 12/16/2025 | Property | Data | 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. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304873944 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304873984 | finding-3634 | 12/11/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the loan discount fees from CD XX/XX/XXXX to CD XX/XX/XXXX. A corresponding lock confirmation or COC could not be located dated within XXX days of the change on CD XX/XX/XXXX. Provide a COC to confirm if this was a valid change. | XXX XX/XX/XXXX On XX/XX/XXXX there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of XXX% or $XXX. Please see attached lock confirmation and Closing Disclosure. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.42% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 19.42% is less than Guideline LTV of 80% | Resolved | 12/11/2025 | C A |
| XXX | XXXXX | 304873984 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.42% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 19.42% is less than Guideline LTV of 80% | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304873984 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.42% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 19.42% is less than Guideline LTV of 80% | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304877937 | finding-3532 | 12/13/2025 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception. Missing the initial Closing Disclosure issued at least XXX days prior to the loan consummation. | XXX XX/XX/XXXX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business days before the closing date of XX/XX/XXXX. | Initial CD provided; exception resolved; Initial CD provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/13/2025 | C A |
| XXX | XXXXX | 304877937 | finding-3634 | 12/13/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the increase of the Discount Points from $XXX on the revised LE dated XX/XX/XXXX, to $XXX on the final CD dated XX/XX/XXXX without a valid COC. The exception may be due to the missing Initial CD. Please provide a valid COC, initial CD issued XXX days prior to consummation or cure package. | XXX XX/XX/XXXX On XX/XX/XXXX there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of XXX% or $XXX. Please see attached lock confirmation and Closing Disclosure. | Initial CD provided; exception resolved; Initial CD provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/13/2025 | C A |
| XXX | XXXXX | 304877937 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304877937 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304877932 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304877932 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304877932 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304879043 | FCRE7497 | 12/23/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing supporting documentation to verify monthly payment of $XXX for Second home at XXX. DTI is subject to recalculation upon receipt. | XX/XX/XXXX XXX: They aren't escrowed. Property detail report was included in file confirming the tax amount we used to qualify and confirming the property is vacant land, so insurance would not be applicable. ; XX/XX/XXXX XXX: Payment is reported on credit for XXX | Documentation is sufficient. Explanation provided is adequate. Exception resolved.; Unable to verify the total PITI for XXX XXX. The payment on the credit report does not verify if taxes and Hazard are included. Exception remains. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/23/2025 | D A |
| XXX | XXXXX | 304879043 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304879043 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304893420 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893420 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893420 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304896720 | FCRE8999 | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304896720 | FPRO8998 | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304896720 | FCOM8997 | 12/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304897015 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897015 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897015 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893925 | FCOM8997 | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893925 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893925 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304897438 | FCRE2109 | 12/18/2025 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Need worksheet for net rental income for subject property. | XXX/17MM: There is no rental income worksheet to provide but I have provided an explanation for the income calculation ADU on 1040s - subject now being rented; lease, CD, and XXX on file. (primary conversion). \| 1040s: XXX + XXX from lease.(x.XXX vacancy factor = $XXX) = $XXX. | Documentation is sufficient. Explanation provided. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.52% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.52% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2025 | D A |
| XXX | XXXXX | 304897438 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.52% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.52% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304897438 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.52% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.52% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304907267 | FCOM3608 | 12/05/2025 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. | XXX XX/XX/XXXX Please see attached Intent to Proceed | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2025 | B A |
| XXX | XXXXX | 304907267 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304907267 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304848638 | finding-4040 | 12/23/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than ($XXX) but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. Provide the missing ICD dated a minimum of XXX days prior to closing so TRID testing can be completed. Loan was presented as QM Safe Harbor. However, QM testing did not pass. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Lender allows for Non QM; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/23/2025 | C A |
| XXX | XXXXX | 304848638 | finding-3634 | 12/23/2025 | Compliance | TRID Tolerance | 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) ne 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 n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the loan discount points. There is a COC dated XX/XX/XXXX for float to lock missing the corresponding disclosure to go with it. The only disclosures provided were the LE XX/XX/XXXX and FCD XX/XX/XXXX. | XXX XX/XX/XXXX: Please see the attached // ; XXX XX/XX/XXXX Please see the attached Redisclosure for XX/XX/XXXX XXX | Valid COC with applicable CD provided; exception resolved; Valid COC with applicable CD provided; exception resolved; File contains lock documentation to show a relock on XX/XX/XXXX, however there is no CD dated within XXX days of the relock therefore the disclosure of the discount points is not considered valid | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/23/2025 | C A |
| XXX | XXXXX | 304848638 | FCRE0377 | 12/19/2025 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). | XX/XX/XXXX - XXX: Please see the attached document confirming an estimated replacement cost of $XXX | Documentation is sufficient. RCE provided. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2025 | C A |
| XXX | XXXXX | 304848638 | finding-3532 | 12/18/2025 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Provide the ICD and evidence the borrower received a minimum of XXX business days prior to consummation XX/XX/XXXX. Further TRID testing to be completed. | XXX XX/XX/XXXX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business days before the closing date of XX/XX/XXXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2025 | C A |
| XXX | XXXXX | 304848638 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304897267 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.21% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.21% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304897267 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.21% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.21% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304897267 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.21% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.21% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304891043 | FCRE1148 | 12/18/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Preliminary Title reflects Title Coverage in the amount of $XXX and not the current loan amount of $XXX | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Preliminary Title reflects Title Coverage in the amount of $XXX and not the current loan amount of $XXX | Exception is non-material and graded as level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXXXX | 304891043 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304891043 | FCOM8997 | 12/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304892642 | FCRE8999 | 12/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304892642 | FPRO8998 | 12/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304892642 | FCOM8997 | 12/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304484725 | FCRE8999 | 12/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304484725 | FPRO8998 | 12/19/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304484725 | FCOM8997 | 12/19/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304757125 | FCOM8997 | 07/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.91% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/07/2025 | A |
| XXX | XXXXX | 304757125 | FCRE8999 | 07/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.91% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/07/2025 | A |
| XXX | XXXXX | 304757125 | FPRO8998 | 07/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.91% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.91% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/07/2025 | A |
| XXX | XXXXX | 304757105 | FPRO0951 | 07/14/2025 | Property | Missing Doc | XXX Approval Missing | XXX Approval Missing. | Document Uploaded. | Explanation is sufficient. XXX unit XXX. Project Review not required. Exception resolved.; XXX Approval is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/14/2025 | B A |
| XXX | XXXXX | 304757105 | FCOM8997 | 07/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/03/2025 | A |
| XXX | XXXXX | 304757105 | FCRE8999 | 07/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/03/2025 | A |
| XXX | XXXXX | 304757130 | finding-2962 | 07/03/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant, downgraded to A This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/03/2025 | A |
| XXX | XXXXX | 304757130 | finding-3352 | 07/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/03/2025 | A |
| XXX | XXXXX | 304757130 | FCRE8999 | 07/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/03/2025 | A |
| XXX | XXXXX | 304757130 | FPRO8998 | 07/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 07/03/2025 | A |
| XXX | XXXXX | 304898177 | FCOM8997 | 11/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898177 | FCRE8999 | 11/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898177 | FPRO8998 | 11/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898175 | FCOM8997 | 11/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898175 | FPRO8998 | 11/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898175 | FCRE8999 | 11/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898168 | FCOM8997 | 11/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898168 | FCRE8999 | 11/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898168 | FPRO8998 | 11/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898165 | finding-3634 | 11/09/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure required. Refund in the amount of $XXX, cure requires a valid coc or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery he discount points of $XXX were added on the Final CD issued XX/XX/XXXX. The file does not contain a valid COC for the addition of the fee. | CD and COC provided. | Valid COC with applicable CD provided; Exception resolved; Valid COC with applicable CD provided; Exception resolved; Document Uploaded. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/09/2025 | C A |
| XXX | XXXXX | 304898165 | FCRE8999 | 11/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304898165 | FPRO8998 | 11/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304898157 | FCOM8997 | 11/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/18/2025 | A |
| XXX | XXXXX | 304898157 | FPRO8998 | 11/18/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/18/2025 | A |
| XXX | XXXXX | 304898157 | FCRE8999 | 11/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/18/2025 | A |
| XXX | XXXXX | 304898154 | FCOM3849 | 11/18/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. |  | Evidence of appraisal delivery provided.; Document Uploaded. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2025 | B A |
| XXX | XXXXX | 304898154 | FCRE1157 | 11/13/2025 | Credit | Missing Doc | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy |  | Hazard policy provided, exception resolved. ; Hazard Insurance Policy is fully present; Document Uploaded. ; Document Uploaded. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/13/2025 | D A |
| XXX | XXXXX | 304898154 | FCRE1161 | 11/13/2025 | Credit | Missing Doc | Flood Certificate Missing | Missing Flood Certificate |  | Flood cert provided, exception resolved. ; Flood Certificate is fully present; Document Uploaded. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/13/2025 | D A |
| XXX | XXXXX | 304898154 | FCRE1201 | 11/13/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  | Fraud report provided, exception resolved. ; Third Party Fraud Report is provided; Document Uploaded. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/13/2025 | D A |
| XXX | XXXXX | 304898154 | FCRE1241 | 11/13/2025 | Credit | Missing Doc | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing |  | Purchase contract was provided, exception resolved. ; Loan Purpose is Purchase but Purchase Contract Doc is Missing; Purchase Contract Doc is not Missing, or is Not Applicable.; Document Uploaded. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/13/2025 | D A |
| XXX | XXXXX | 304898154 | FPRO1242 | 11/13/2025 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. |  | Appraisal provided, exception resolved. ; Appraisal is Present or is Waived; Document Uploaded. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/13/2025 | D A |
| XXX | XXXXX | 304898154 | FPRO9990 | 11/13/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  | CDA provided, exception resolved. ; Third party valuation product provided within tolerance.; Document Uploaded. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/13/2025 | C A |
| XXX | XXXXX | 304898128 | FCRE8999 | 10/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304898128 | FPRO8998 | 10/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304898128 | FCOM8997 | 10/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304898123 | FCRE8999 | 10/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304898123 | FPRO8998 | 10/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304898123 | FCOM8997 | 10/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304898116 | finding-3352 | 11/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2025 | A |
| XXX | XXXXX | 304898116 | FCRE8999 | 11/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2025 | A |
| XXX | XXXXX | 304898116 | FPRO8998 | 11/13/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2025 | A |
| XXX | XXXXX | 304898114 | FCOM8997 | 11/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304898114 | FCRE8999 | 11/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304898114 | FPRO8998 | 11/07/2025 | Property | Data | 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. |  | Informational |  | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304898091 | FCRE8999 | 10/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304898091 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304898091 | FCOM8997 | 10/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304375552 | FPRO8998 | 08/12/2024 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared |  | Resolved | 08/12/2024 | A |
| XXX | XXXXX | 304375552 | FCRE8999 | 08/12/2024 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared |  | Resolved | 08/12/2024 | A |
| XXX | XXXXX | 304638280 | FVAL3825 | 03/26/2025 | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. The subject property is located in XXX County, XXX. On XX/XX/XXXX FEMA declared XXX County as a disaster area (FEMA XXX) with individual assistance. The required Post Disaster Inspection was not found in the loan file. | Document Uploaded. | Property Inspection Provided.; Post Disaster Condition Report provided indicates there was no disaster related damage to the subject property. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/26/2025 | C A |
| XXX | XXXXX | 304638280 | FCOM1208 | 03/26/2025 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete The signature for Borrower 2 does not match the name typed on the Note. Borrower 2 did not sign full name. | Document Uploaded. | The Note is Present; Signature/Name Affidavit provided verifies co-borrower's signature. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/26/2025 | D A |
| XXX | XXXXX | 304638280 | FCRE1193 | 03/26/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX month bank Statements Lender income $XXX, Audit income XXX. Audit excluded $XXX more in deposits for the month of XXX XX/XX/XXXX, $XXX for the month of XXX, $XXX in XXX, $XXX in XXX and $XXX in XXX. The DTI increased from XXX% to XXX%. | Document Uploaded. ; Document Uploaded. ; UW asked if Auditor can explain what deposits they excluded and why they felt they needed to be excluded. Borrower is a XXX and all deposits used were XXX and cash deposits.; UW asked for clarification on what deposits were excluded and why it was excluded. Borrower is a XXX and all deposits used were XXX and cash deposits. | Exception provided. Guideline max DTI is XXX%, Approved for XXX%. Comp factors: LTV lower than XXX%, Residual income of at least $XXX per month, Mortgage currently IO, going to fully amortized. ; Audit has reviewed the lenders exception approval, however the DTI was updated to XXX% on XX/XX/XXXX, exception approval is only for XXX%, we apologize for the inconvenience.; Audit has reviewed the lender's rebuttal and is providing the following information: the following deposits were excluded in the Audit income calculation: XXX: Disallowed Deposits: $XXX on XX/XX/XXXX and $XXX on XX/XX/XXXX (XXX) suggests these are from family. XXX: Disallowed Deposits: $XXX on XX/XX/XXXX and $XXX on XX/XX/XXXX (XXX) suggests these are from family. XXX: Disallowed Deposits: $XXX on XX/XX/XXXX (XXX) and $XXX on XX/XX/XXXX, $XXX on XX/XX/XXXX, $XXX on XX/XX/XXXX XXX) suggests these are from family. XXX: Disallowed Deposits: $XXX on XX/XX/XXXX (XXX) suggests this is from family. XXX: Disallowed Deposits: $XXX on XX/XX/XXXX, $XXX on XX/XX/XXXX, and $XXX on XX/XX/XXXX (XXX) suggests these are from family.; Audit has reviewed the lender's rebuttal and is providing the following information: XXX: Disallowed Deposits: $XXX Breakdown: XXX (same as lender) Audit Additional Disallowed: $XXX on XX/XX/XXXX and $XXX on XX/XX/XXXX (XXX) suggests these are from family XXX: Disallowed Deposits: $XXX Breakdown: XXX (same as lender) Audit Additional Disallowed: $XXX on XX/XX/XXXX and $XXX on XX/XX/XXXX (XXX) suggests these are from family XXX: Disallowed Deposits: $XXX Breakdown: XXX (same as lender) Audit Additional Disallowed: $XXX on XX/XX/XXXX (XXX) and $XXX on XX/XX/XXXX (XXX) suggests these are from family XXX: Disallowed Deposits: $XXX Breakdown: XXX (same as lender) Audit Additional Disallowed: $XXX on XX/XX/XXXX (XXX) and $XXX on XX/XX/XXXX (XXX) suggests these are from family XXX: Disallowed Deposits: $XXX Breakdown: XXX (same as lender) Audit Additional Disallowed: $XXX on XX/XX/XXXX (XXX) and $XXX on XX/XX/XXXX (XXX) suggests these are from family ; Audited DTI of XXX% exceeds Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304638280 | FCRE3978 | 03/19/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | The subject Credit Report dated XX/XX/XXXX includes a credit inquiry from XX/XX/XXXX that was not addressed. The Lender Guideline States: Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established borrowers must provide documentation on the current balance and payment and qualify accordingly. It is recommended the underwriter do additional diligence as necessary to ensure there is no undisclosed debt. The required documentation was not found in the loan file. | Document Uploaded. | Satisfactory letter of explanation for inquiries provided, condition resolved. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/19/2025 | D A |
| XXX | XXXXX | 304638280 | finding-47 | 03/13/2025 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-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) he funding date is before the third business day following consummation he 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. Right to Cancel in file expires on XX/XX/XXXX; however, the disbursement date on the Final CD is XX/XX/XXXX. Disbursement cannot occur before the Right to Cancel expires. Please provide a copy of the PCCD or final settlement Statement with the correct disbursement date. | Document Uploaded. | PCCD provided; Exception resolved; PCCD provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/13/2025 | C A |
| XXX | XXXXX | 304489855 | finding-3352 | 01/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304489855 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304489855 | FPRO8998 | 01/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304638015 | FCOM3849 | 03/10/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XX/XX/XXXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. | Document Uploaded. | Evidence of appraisal delivery provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | B A |
| XXX | XXXXX | 304638015 | FCOM3531 | 03/10/2025 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. Evidence of Appraisal Delivery to the Borrower Not Provided. | Document Uploaded. | Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Not Provided.; Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Not Provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | C A |
| XXX | XXXXX | 304638015 | finding-3352 | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan. Unable to downgrade due to missing Evidence of Appraisal receipt within XXX business days of consummation. | Document Uploaded. | Appraisal receipt provided, HPML compliant; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | C A |
| XXX | XXXXX | 304638015 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304638015 | FPRO8998 | 03/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304695154 | FCRE8999 | 05/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/09/2025 | A |
| XXX | XXXXX | 304695154 | FPRO8998 | 05/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/09/2025 | A |
| XXX | XXXXX | 304704749 | finding-3352 | 07/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/21/2025 | A |
| XXX | XXXXX | 304704749 | FPRO8998 | 07/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/21/2025 | A |
| XXX | XXXXX | 304704749 | FCRE8999 | 07/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/21/2025 | A |
| XXX | XXXXX | 304704677 | FPRO8998 | 05/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/23/2025 | A |
| XXX | XXXXX | 304704677 | FCOM8997 | 05/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 05/23/2025 | A |
| XXX | XXXXX | 304735966 | FCRE9500 | 07/24/2025 | Credit | Missing Doc | Missing Letter of Explanation (Assets) | The file did not include a letter form a CPA or Tax Preparer stating that the use of business funds used for the subject loan would not negatively effect the businesses. If the assets from the two business accounts were excluded the required reserves would be short of the required three months. | This is a cashout and cashout was used for reserves. | Cash out were used for reserves per lender guidelines. LOX is not required. |  | Rescinded |  | A |
| XXX | XXXXX | 304735966 | FCOM8997 | 07/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/17/2025 | A |
| XXX | XXXXX | 304735966 | FPRO8998 | 07/17/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/17/2025 | A |
| XXX | XXXXX | 304875922 | FPRO1245 | 11/26/2025 | Property | Appraisal | Appraisal is Expired | Primary Value Appraisal is Expired The Appraisal is dated XX/XX/XXXX, the Note date is XX/XX/XXXX. | Document Uploaded. | Exception provided: Post Close Approval. Appraisal exceeds XXX days from note. Property is not declining market and value is supported, CU score XXX. Cop factors: DTI under XXX%, Residual over XXX, CO covers XXX mos of reserves. Approved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304875922 | FCRE2109 | 11/26/2025 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | The Lender income worksheet is not legible. | Document Uploaded. | Income calculation provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | D A |
| XXX | XXXXX | 304875922 | FCRE1344 | 11/20/2025 | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than XXX Months Provided | The Borrrower qualified on the XXX month bank Statement program. The bank Statement for the month of XXX was not found for the account ending in XXX. | Document Uploaded. | Lender provided XXX Statement dated XX/XX/XXXX - XX/XX/XXXX. I updated worksheet and re-uploaded. Condition cleared. ; Lender provided XXX Statement dated XX/XX/XXXX - XX/XX/XXXX. I updated worksheet and re-uploaded. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/20/2025 | C A |
| XXX | XXXXX | 304875922 | finding-3352 | 11/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304757730 | FCRE8999 | 08/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/06/2025 | A |
| XXX | XXXXX | 304757730 | FPRO8998 | 08/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/06/2025 | A |
| XXX | XXXXX | 304757592 | FCOM8997 | 10/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 10/12/2025 | A |
| XXX | XXXXX | 304757592 | FCRE8999 | 10/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 10/12/2025 | A |
| XXX | XXXXX | 304757592 | FPRO8998 | 10/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 10/12/2025 | A |
| XXX | XXXXX | 304902813 | FCRE1316 | 10/24/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing the existence of the business within XXX-days of the Note date and ensure the business is active with the following: Phone listing and/or business address using directory assistance or internet search or For self-employed independent contractors, use either a letter from a third-party company currently utilizing their service(s) or a business license procured through the internet reflecting active and not expired. | Document Uploaded. Hi, borrower is Self-Employed. | Borrower 1 3rd Party VOE Prior to Close Was Provided; CPA letter dated within XXX days of the note date verifies the business is active. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/24/2025 | D A |
| XXX | XXXXX | 304902813 | FPRO9990 | 10/24/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing the Enhanced Desk Review as the CU score is > XXX. | Document Uploaded. | Third party valuation product provided within tolerance.; An Appraisal Risk Review for the subject property within variance to appraised value was provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/24/2025 | C A |
| XXX | XXXXX | 304902813 | finding-3352 | 10/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/12/2025 | A |
| XXX | XXXXX | 304823801 | FCOM1266 | 09/25/2025 | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Missing Documentation: The required Homeownership Counseling Disclosure is missing from the loan file. | Document Uploaded. uploaded initial disclosures | Homeownership Counseling Disclosure Is Present or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/25/2025 | B A |
| XXX | XXXXX | 304823801 | FCRE8999 | 09/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/23/2025 | A |
| XXX | XXXXX | 304823801 | FPRO8998 | 09/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/23/2025 | A |
| XXX | XXXXX | 304812712 | FCRE1483 | 09/05/2025 | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements The loan file includes a Gift Letter for $XXX. There is no evidence of the transfer of funds for the $XXX | Document Uploaded. Hi, there was no Gift for $XXX. It was updated to only $XXX | Asset 5 Meets Guideline Requirements Or Not Applicable; Asset documentation provided indicates only $XXX gift funds were received. Updated 1008 and 1003 application also received. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/05/2025 | C A |
| XXX | XXXXX | 304812712 | FCRE3978 | 09/05/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | The subject Credit Report dated XX/XX/XXXX includes a credit inquiry on XX/XX/XXXX and two inquiries on XX/XX/XXXX. The Lender Guideline States; Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established borrowers must provide documentation on the current balance and payment and qualify accordingly. It is recommended the underwriter do additional diligence as necessary to ensure there is no undisclosed debt. The required documentation was not found in the loan file. A letter of explanation is in the loan file for the inquiry on XX/XX/XXXX | Document Uploaded. | LOX for credit inquires was received. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/05/2025 | D A |
| XXX | XXXXX | 304812712 | finding-3352 | 08/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304812712 | FPRO8998 | 08/28/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/28/2025 | A |
| XXX | XXXXX | 304823784 | finding-3352 | 09/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/11/2025 | A |
| XXX | XXXXX | 304823784 | FCRE8999 | 09/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/11/2025 | A |
| XXX | XXXXX | 304823784 | FPRO8998 | 09/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/11/2025 | A |
| XXX | XXXXX | 304812665 | FCOM1282 | 11/12/2025 | Compliance | Missing Doc | XXX F2 Notice for Home Equity Disclosure is Missing | 7 Tex. Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for Non-Home Equity Disclosure is not Provided. Documentation Required- XXX F2 Notice for Non-Home Equity Disclosure | Hi, this is NOT a Cash-Out. | 7 Tex. Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for Non-Home Equity Disclosure is Provided or Not Applicable. | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.01% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.01% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/12/2025 | D A |
| XXX | XXXXX | 304812665 | finding-3352 | 11/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.01% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.01% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304812665 | FCRE8999 | 11/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.01% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.01% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304812665 | FPRO8998 | 11/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.01% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.01% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304823766 | finding-3352 | 10/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML complaint This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML complaint This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/14/2025 | A |
| XXX | XXXXX | 304823766 | FCRE8999 | 10/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/14/2025 | A |
| XXX | XXXXX | 304823766 | FPRO8998 | 10/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/14/2025 | A |
| XXX | XXXXX | 304823745 | FCRE1316 | 09/30/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VOE | Document Uploaded. | Borrower 1 3rd Party VOE Prior to Close Was Provided; Business license provided indicates status as active. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/30/2025 | D A |
| XXX | XXXXX | 304823745 | finding-3352 | 09/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/25/2025 | A |
| XXX | XXXXX | 304823745 | FPRO8998 | 09/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/25/2025 | A |
| XXX | XXXXX | 304844230 | FCRE8999 | 10/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304844230 | FPRO8998 | 10/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304844230 | FCOM8997 | 10/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304812555 | FCRE8999 | 10/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/14/2025 | A |
| XXX | XXXXX | 304812555 | FPRO8998 | 10/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/14/2025 | A |
| XXX | XXXXX | 304844220 | finding-47 | 09/30/2025 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-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) he funding date is before the third business day following consummation he 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 disbursement date of XX/XX/XXXX is before the third business day following consummation dated XX/XX/XXXX, documentation of actual Disbursement date required. PCCD with LOE, copy of refund and proof of delivery are required. | Document Uploaded. PCCD attached, loan did NOT disburse until XX/XX/XXXX | PCCD provided; exception resolved; PCCD provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/30/2025 | C A |
| XXX | XXXXX | 304844220 | finding-3634 | 09/30/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $ lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the increase of the Appraisal fee on the LE issued XX/XX/XXXX without a valid reason. | Document Uploaded. COC attached | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/30/2025 | C A |
| XXX | XXXXX | 304844220 | FCRE8999 | 09/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/26/2025 | A |
| XXX | XXXXX | 304844220 | FPRO8998 | 09/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/26/2025 | A |
| XXX | XXXXX | 304893379 | FCRE1248 | 11/26/2025 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction The subject Appraisal States that the subject transactilon is a non-arms length sale. Lender Guidline States: Renter(s) purchasing from Landlord: o XXX months cancelled checks or bank Statements to prove timely payments required o A private party VOR is not acceptable o A VOR obtained from a property management company is acceptable. The loan file includes bank Statements reflecting a XXX month history with no late payments. | Document Uploaded. VOR, non-arm's length – the borrower paid the mortgage directly to the lender/XXX with a memo on each payment with the seller's name. We do not need a VOR and there are no cancelled checks paid to the landlord/seller. All payments to the existing mortgage holder verified XXX. | Purchase is considered to be an Arm's Length Transaction, or Not Applicable; Borrower paid mortgage directly | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | C A |
| XXX | XXXXX | 304893379 | FCRE0377 | 11/26/2025 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The subject Hazard Insurance coverage is $XXX with extended replacement cost. The reconstruction cost is $XXX | We have a Replacement cost estimator in file to show $XXX. Our guidelines read if the loan amount is less than RCE value, we calculate XXX% of the RCE value. XXX needed in coverage. Our coverage per the HOI policy is XXX. Please clear, we meet our guidelines. | ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Secondary review of RCE |  | Rescinded |  | A |
| XXX | XXXXX | 304893379 | FCRE7497 | 11/26/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 reflects that the Borrower has an investment property. The payment is reflected on the subject Credit Report but there is not a break down of the PITIA so audit unable to determine complete payment for the property. | Document Uploaded. uploaded image from fraud showing mortgage and taxes, estimated HOI. DTI under XXX% printed and uploaded updated XXX 1003 | ; PITIA, XXX 1003 | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | D A |
| XXX | XXXXX | 304893379 | FCRE3978 | 11/26/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | The subject Credit Report dated XX/XX/XXXX, includes a credit inquiry dated XX/XX/XXXX. The Lender Guideline States: Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established borrowers must provide documentation on the current balance and payment and qualify accordingly. It is recommended the underwriter do additional diligence as necessary to ensure there is no undisclosed debt. The required documentation was not found in the loan file. | Document Uploaded. Inquiry – this is from our credit refresh pulled XX/XX/XXXX which is attached | Inquiry, no new credit |  | Rescinded |  | A |
| XXX | XXXXX | 304893379 | finding-3352 | 11/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304893379 | FPRO8998 | 11/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304818019 | FCOM8997 | 09/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/24/2025 | A |
| XXX | XXXXX | 304818019 | FPRO8998 | 09/24/2025 | Property | Data | No Property Findings | No property findings Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/24/2025 | A |
| XXX | XXXXX | 304818019 | FCRE8999 | 09/24/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/24/2025 | A |
| XXX | XXXXX | 304875913 | FCRE1437 | 12/03/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Verification of existence of business within XXX day of Note date is not found in the file, please provide. This is a guideline requirement and the CPA letter in the file is dated XX/XX/XXXX which is over XXX days prior to Note dated of XX/XX/XXXX | Document Uploaded. | Income and Employment Meet Guidelines; Client provided business evidence dated XX/XX/XXXX with original filing date of XX/XX/XXXX. Note dated XX/XX/XXXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | C A |
| XXX | XXXXX | 304875913 | FCOM8997 | 12/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304875913 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304818001 | FCRE1193 | 01/14/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Borrower qualified on the XXX month bank Statement program using XXX seperate business accounts. XXX month bank Statement average business XXX Tax Preparer Letter States Borrower is XXX% owner, page XXX. B2 is listed as the other XXX% owner. Lender income for B1 business XXX is $XXX, Audit income $XXX. Audit and Lender used same numbers so not exactly sure how they reached their number, according to the income worksheet the expense ratio is XXX% and the company ownership is XXX% for B1. Additonally, the income for business XXX Borrower 2 is off, Lender used $XXX, Ausit used $XXX based on ownership of XXX% and expense ratio of XXX%. Additionally, Audit used $XXX more in debt than the Lender. The DTI increased from XXX% to XXX%. | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Borrower qualified on the XXX month bank Statement program using XXX seperate business accounts. XXX month bank Statement average business XXX Tax Preparer Letter States Borrower is XXX% owner, page XXX. B2 is listed as the other XXX% owner. Lender income for B1 business XXX is $XXX, Audit income $XXX. Audit and Lender used same numbers so not exactly sure how they reached their number, according to the income worksheet the expense ratio is XXX% and the company ownership is XXX% for B1. Additonally, the income for business XXX Borrower 2 is off, Lender used $XXX, Ausit used $XXX based on ownership of XXX% and expense ratio of XXX%. Additionally, Audit used $XXX more in debt than the Lender. The DTI increased from XXX% to XXX%. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | C A |
| XXX | XXXXX | 304818001 | FCRE3978 | 01/14/2026 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | The subject loan Credit Report dated XX/XX/XXXX includes multiple credit inquiries from XX/XX/XXXX through XX/XX/XXXX. The Lender Guideline States inquiries in the last XXX days must be addressed in writing and signed by the Borrower. The required documentation was not found in the loan file. | Document Uploaded. | Lender exception provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No D B |
| XXX | XXXXX | 304818001 | FCRE7497 | 10/29/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 reflects that investment property number XXX is free and clear. There was no evidence that the property was free and clear and the taxes and possible insurance were not found in the loan file as well. | Document Uploaded. Hi, please see 1003. That property has been removed. | An updated 1003 application was provided to reflect investment property number XXX removed from application. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/29/2025 | D A |
| XXX | XXXXX | 304818001 | finding-3352 | 10/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | hPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304818001 | FPRO8998 | 10/25/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304893378 | finding-3352 | 12/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304893378 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304893378 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304817902 | FCRE8999 | 10/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2025 | A |
| XXX | XXXXX | 304817902 | FPRO8998 | 10/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2025 | A |
| XXX | XXXXX | 304817902 | FCOM8997 | 10/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2025 | A |
| XXX | XXXXX | 304823664 | FCRE7497 | 09/30/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing taxes for XXX as well as hazard insurance for investment properties. | Document Uploaded. XXX HOI attached.; Document Uploaded. | Hazard insurance for XXX was received. ; Received taxes and insurance for XXX, missing hazard insurance for XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/30/2025 | D A |
| XXX | XXXXX | 304823664 | FCOM8997 | 09/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/22/2025 | A |
| XXX | XXXXX | 304823664 | FPRO8998 | 09/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/22/2025 | A |
| XXX | XXXXX | 304859740 | FCRE8999 | 11/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared |  | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304859740 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared |  | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304823586 | FPRO8998 | 09/21/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.7% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.7% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/21/2025 | A |
| XXX | XXXXX | 304823586 | FCRE8999 | 09/21/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.7% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.7% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/21/2025 | A |
| XXX | XXXXX | 304823586 | FCOM8997 | 09/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.7% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.7% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/21/2025 | A |
| XXX | XXXXX | 304823570 | finding-3634 | 11/08/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $XXX is due to the increase of the mortgage broker fee on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.55% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/08/2025 | C A |
| XXX | XXXXX | 304823570 | finding-3352 | 11/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.55% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/08/2025 | A |
| XXX | XXXXX | 304823570 | FCRE1148 | 11/05/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The Commitment for Title reflects coverage of XXX the subject Note is for XXX | Document Uploaded. | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title commitment with a loan amount of XXX was received. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.55% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2025 | B A |
| XXX | XXXXX | 304823570 | finding-3652 | 11/04/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX on the initial CD dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.55% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | C A |
| XXX | XXXXX | 304823570 | FCOM1282 | 11/04/2025 | Compliance | Missing Doc | XXX F2 Notice for Home Equity Disclosure is Missing | 7 Tex. Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for Non-Home Equity Disclosure is not Provided. Documentation Required- XXX F2 Notice for Home Equity Disclosure | 7 Tex. Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for Non-Home Equity Disclosure is not Provided. Documentation Required- XXX F2 Notice for Home Equity Disclosure | 7 Tex. Admin. Code §153.45 50(f)(2)(d) - XXX F2 Notice for Non-Home Equity Disclosure is Provided or Not Applicable. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.55% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | D A |
| XXX | XXXXX | 304823570 | FCOM1262 | 11/04/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing Documentation Required- Executed Notice of Right to Cancel for Borrower and non-borrowing spouse | Document Uploaded. | Right of Rescission is Provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.55% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | D A |
| XXX | XXXXX | 304823570 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.55% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304844182 | finding-3352 | 10/02/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | No Cure Required. HPML loan with established escrows and appraisal requirement met. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | No Cure Required. HPML loan with established escrows and appraisal requirement met. Downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2025 | A |
| XXX | XXXXX | 304844182 | FPRO8998 | 10/02/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2025 | A |
| XXX | XXXXX | 304844182 | FCRE8999 | 10/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2025 | A |
| XXX | XXXXX | 304859734 | finding-3352 | 10/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.33% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304859734 | FCRE8999 | 10/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.33% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304859734 | FPRO8998 | 10/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.33% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304859734 | FCOM8997 | 10/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.33% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304823460 | FCOM8997 | 10/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304823460 | FCRE8999 | 10/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304823460 | FPRO8998 | 10/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304902803 | FCRE1241 | 12/18/2025 | Credit | Missing Doc | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | The home was for sale by owner. Escrow instructions only. | Purchase Contract Doc is not Missing, or is Not Applicable.; Client States, "The home was for sale by owner. Escrow instructions only." | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/18/2025 | D A |
| XXX | XXXXX | 304902803 | finding-2962 | 12/11/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304902803 | finding-3352 | 12/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304902803 | FPRO8998 | 12/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304871948 | FCRE1159 | 11/10/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Please provide an updated hazard insurance with an effective date of XX/XX/XXXX. | Document Uploaded. loan disbursed on XX/XX/XXXX. see PCCD. HOI was effective PRIOR to disbursement. | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; A Post close CD indicates the disbursement date as XX/XX/XXXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Resolved | 11/10/2025 | C A |
| XXX | XXXXX | 304871948 | FCOM8997 | 11/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Resolved | 11/04/2025 | A |
| XXX | XXXXX | 304871948 | FPRO8998 | 11/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% | Resolved | 11/04/2025 | A |
| XXX | XXXXX | 304871946 | finding-3352 | 11/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXXXX | 304871946 | FCRE8999 | 11/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXXXX | 304871946 | FPRO8998 | 11/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXXXX | 304844078 | FPRO8998 | 10/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.06% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.06% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304844078 | FCRE8999 | 10/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.06% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.06% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304844078 | FCOM8997 | 10/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.06% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.06% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304875903 | FCRE2900 | 12/01/2025 | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non US Citizen Borrower is missing Identification Document. The acceptable type of Visa for a non-permanent resident alien was not provided. |  | Borrower Identification Document provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.22% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.22% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | D A |
| XXX | XXXXX | 304875903 | FCOM8997 | 11/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.22% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.22% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304875903 | FPRO8998 | 11/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.22% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.22% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304871941 | FCOM8997 | 10/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304871941 | FCRE8999 | 10/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304871941 | FPRO8998 | 10/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304859704 | FCRE8999 | 10/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/15/2025 | A |
| XXX | XXXXX | 304859704 | FPRO8998 | 10/15/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/15/2025 | A |
| XXX | XXXXX | 304859704 | FCOM8997 | 10/15/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/15/2025 | A |
| XXX | XXXXX | 304859695 | FCOM8997 | 01/29/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | please clear | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.48% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.48% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 304859695 | FPRO8998 | 01/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. | please clear | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.48% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.48% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 304859695 | FCRE2900 | 01/29/2026 | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non XXX Citizen Borrower is missing Identification Document. All nonpermanent resident aliens must provide evidence of a valid, acceptable visa or an Employment Authorization Document (EAD). Please provide a copy of an unexpired visa or EAD. | ITIN letter in file and Drivers license is ok | XXX and IDs in file. Rescinded. ; Client Stated, "ITIN letter in file and Drivers license is ok" - Pending review; Non XXX Citizen Borrower is missing Identification Document. All nonpermanent resident aliens must provide evidence of a valid, acceptable visa or an Employment Authorization Document (EAD). Please provide a copy of an unexpired visa or EAD. | XXX and IDs in file. Rescinded. ; Client Stated, "ITIN letter in file and Drivers license is ok" - Pending review; Non XXX Citizen Borrower is missing Identification Document. All nonpermanent resident aliens must provide evidence of a valid, acceptable visa or an Employment Authorization Document (EAD). Please provide a copy of an unexpired visa or EAD. | Rescinded |  | D A |
| XXX | XXXXX | 304859688 | FCRE1197 | 10/13/2025 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX The borrower's credit score is XXX which only allows for a max LTV of 85%. The subject LTV is 90% for which GLs dated XXX require a credit score of XXX The Lender issued an Exception in file for the LTV/credit score dated XXX with compensating factors: DTI under XXX%; Verified XXX mos reserves; Mtg XXX; No rental income being used to qualify on departure home. | Document Uploaded. exception from management was given for this. I am attaching the exception form. | Lender exception received. The 5% LTV exception is approved. Per guidelines, the maximum LTV allowed is XXX% due to the borrower's FICO of XXX which is XXX points below the minimum required XXX FICO for a 90% LTV. Compensating factors; DTI under XXX%; verified XXX months reserves; Mtg XXX; no rental income being used to qualify on departure home. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304859688 | finding-3634 | 10/12/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the increase in Discount Points on the initial CD dated XX/XX/XXXX. The COC in file dated XX/XX/XXXX is valid however the initial CD issue date of XX/XX/XXXX does not meet timing requirement for the consummation date of XX/XX/XXXX. Please provide a initial CD issued and received at least XXX days prior to consummation or cure package. | Document Uploaded. | Initial CD provided; exception resolved; Initial CD provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/12/2025 | C A |
| XXX | XXXXX | 304859688 | finding-2623 | 10/12/2025 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/12/2025 | A |
| XXX | XXXXX | 304859688 | finding-3352 | 10/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/12/2025 | A |
| XXX | XXXXX | 304859688 | finding-3532 | 10/12/2025 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The Initial CD dated XX/XX/XXXX is less than XXX business days prior to the loan consummation XX/XX/XXXX. Please provide the initial CD issued and received at least XXX days prior. | Document Uploaded. Initial CD sent XX/XX/XXXX. attached. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/12/2025 | C A |
| XXX | XXXXX | 304859688 | FPRO8998 | 10/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/09/2025 | A |
| XXX | XXXXX | 304871935 | FCRE1159 | 11/07/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Please provide an updated hazard insurance with an effective date of XX/XX/XXXX. | Document Uploaded. This is a refinance, and the current policy is in file that runs XX/XX/XXXX--XX/XX/XXXX and then the renewal from XX/XX/XXXX--XX/XX/XXXX. please clear. | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Hazard insurance confirms current policy is effective from XX/XX/XXXX--XX/XX/XXXX and then the renewal from XX/XX/XXXX--XX/XX/XXXX. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/07/2025 | C A |
| XXX | XXXXX | 304871935 | FCOM8997 | 11/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304871935 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304843978 | finding-3352 | 11/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304843978 | FPRO8998 | 11/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304843978 | FCRE8999 | 11/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304843978 | FCRE0376 | 11/11/2025 | Credit | Data | Tradelines do not meet Guideline Requirements | Per ITIN Guidelines the borrower's Tradelines do not meet requirements. The Credit Report shows XXX tradeline, Supplemental Report shows XXX months history for auto insurance and XXX month private VOR without proof of payments. Lender exception was provided with approval. | Per ITIN Guidelines the borrower's Tradelines do not meet requirements. The Credit Report shows XXX tradeline, Supplemental Report shows XXX months history for auto insurance and XXX month private VOR without proof of payments. Lender exception was provided with approval. |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes B |
| XXX | XXXXX | 304843919 | FCOM8997 | 10/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304843919 | FCRE8999 | 10/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304843919 | FPRO8998 | 10/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304843915 | FCRE2109 | 10/30/2025 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | The income worksheet in the loan file is not legible. | Document Uploaded. attached | A legible lender income worksheet was provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | D A |
| XXX | XXXXX | 304843915 | finding-3352 | 10/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/23/2025 | A |
| XXX | XXXXX | 304843915 | FPRO8998 | 10/23/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/23/2025 | A |
| XXX | XXXXX | 304859660 | finding-3352 | 10/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304859660 | FCRE8999 | 10/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304859660 | FPRO8998 | 10/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304902797 | FCOM8997 | 11/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/20/2025 | A |
| XXX | XXXXX | 304902797 | FCRE8999 | 11/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/20/2025 | A |
| XXX | XXXXX | 304902797 | FPRO8998 | 11/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/20/2025 | A |
| XXX | XXXXX | 304859654 | finding-3352 | 10/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304859654 | FCRE8999 | 10/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304859654 | FPRO8998 | 10/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304871921 | finding-2962 | 11/04/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/04/2025 | A |
| XXX | XXXXX | 304871921 | finding-3352 | 11/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/04/2025 | A |
| XXX | XXXXX | 304871921 | FCRE8999 | 11/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/04/2025 | A |
| XXX | XXXXX | 304871921 | FPRO8998 | 11/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/04/2025 | A |
| XXX | XXXXX | 304859647 | finding-3352 | 10/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/20/2025 | A |
| XXX | XXXXX | 304859647 | FCRE8999 | 10/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/20/2025 | A |
| XXX | XXXXX | 304859647 | FPRO8998 | 10/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/20/2025 | A |
| XXX | XXXXX | 304859632 | FCRE8999 | 10/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304859632 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304871915 | finding-3352 | 10/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.64% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.64% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/29/2025 | A |
| XXX | XXXXX | 304871915 | FPRO8998 | 10/29/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.64% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.64% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/29/2025 | A |
| XXX | XXXXX | 304871915 | FCRE8999 | 10/29/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.64% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.64% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/29/2025 | A |
| XXX | XXXXX | 304871912 | FCRE1316 | 11/03/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The verification of self employment for XXX Year Full doc requires a third party verification in different XXX options to satisfy and neither are found in the file. | Document Uploaded. | Borrower 1 3rd Party VOE Prior to Close Was Provided; Third party verification of employment verified per VVOE/CPA letter was provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | D A |
| XXX | XXXXX | 304871912 | FCRE1437 | 11/03/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The verification of self employment for XXX Year Full doc requires a third party verification in different XXX options to satisfy and neither are found in the file. | Document Uploaded. | Income and Employment Meet Guidelines; Third party verification of employment verified per VVOE/CPA letter was provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | C A |
| XXX | XXXXX | 304871912 | FCRE1193 | 11/03/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender exception request to move forward with DTI exception to XXX% Approved By XXX XX/XX/XXXX. | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender exception request to move forward with DTI exception to XXX% Approved By XXX XX/XX/XXXX. |  | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304871912 | finding-3352 | 10/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304871912 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304871911 | FPRO9990 | 10/27/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. Hi, there are XXX appraisals in the file. We went with the lower value of XXX | Third party valuation product provided within tolerance.; Two appraisals for the subject property was provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/27/2025 | C A |
| XXX | XXXXX | 304871911 | finding-2962 | 10/22/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304871911 | finding-3352 | 10/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304871911 | FCRE8999 | 10/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304871904 | finding-3635 | 11/07/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower or valid COC. The XXX% tolerance violation in the amount of XXX is due to the increase of title fees from the Initial LE to final CD. Fees were tested using XXX% tolerance due to missing Service Provider List (SPL). Providing SPL may cure finding; additional testing will be completed once received. | Document Uploaded. | Client provided copy of SPL dated XX/XX/XXXX for testing. Exception resolved.; Client provided copy of SPL dated XX/XX/XXXX for testing. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/07/2025 | C A |
| XXX | XXXXX | 304871904 | finding-3352 | 11/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304871904 | FCRE8999 | 11/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | A |
| XXX | XXXXX | 304871904 | FPRO8998 | 11/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | A |
| XXX | XXXXX | 304859600 | finding-2978 | 10/21/2025 | Compliance | Points & Fees | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304859600 | finding-3352 | 10/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304859600 | FPRO8998 | 10/21/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304859600 | FCRE8999 | 10/21/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304902793 | FCOM8997 | 12/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2025 | A |
| XXX | XXXXX | 304902793 | FPRO8998 | 12/18/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2025 | A |
| XXX | XXXXX | 304902793 | FCRE8999 | 12/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2025 | A |
| XXX | XXXXX | 304875885 | finding-3352 | 11/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304875885 | FCRE8999 | 11/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304875885 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304871891 | FCOM3849 | 10/27/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence the appraisal was received a minimum of XXX business days prior to consummation. Per the Regorra Appraisal Delivery Status on page XXX the borrower denied the electronic consent. | Document Uploaded. LOE uploaded | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/27/2025 | B A |
| XXX | XXXXX | 304871891 | FCRE8999 | 10/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304871891 | FPRO8998 | 10/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304875883 | FCOM8997 | 11/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304875883 | FPRO8998 | 11/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304875883 | FCRE8999 | 11/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304893358 | finding-2978 | 11/06/2025 | Compliance | Points & Fees | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXXXX | 304893358 | finding-3352 | 11/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXXXX | 304893358 | FPRO8998 | 11/06/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXXXX | 304893358 | FCRE8999 | 11/06/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2025 | A |
| XXX | XXXXX | 304875877 | finding-3352 | 11/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304875877 | FCRE8999 | 11/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304875877 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304871870 | finding-3352 | 10/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML complaint- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML complaint- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/29/2025 | A |
| XXX | XXXXX | 304871870 | FCRE8999 | 10/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/29/2025 | A |
| XXX | XXXXX | 304871870 | FPRO8998 | 10/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/29/2025 | A |
| XXX | XXXXX | 304859565 | FVAL9739 | 10/16/2025 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The subject Mortgage includes a XXX Rider. The Appraisal was done on form XXX not form XXX | Document Uploaded. | Property/Appraisal Meets Guidelines; Confirmed subject is a site XXX, according to the lender guidelines, Appraisal needs to support single family residence, Form XXX is acceptable. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/16/2025 | C A |
| XXX | XXXXX | 304859565 | finding-3352 | 10/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/13/2025 | A |
| XXX | XXXXX | 304859565 | FCRE8999 | 10/13/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/13/2025 | A |
| XXX | XXXXX | 304859547 | finding-3352 | 11/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/17/2025 | A |
| XXX | XXXXX | 304859547 | FCRE8999 | 11/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/17/2025 | A |
| XXX | XXXXX | 304859547 | FPRO8998 | 11/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/17/2025 | A |
| XXX | XXXXX | 304859542 | FCRE8999 | 10/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304859542 | FPRO8998 | 10/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304859542 | finding-2261 | 10/22/2025 | Compliance | Points & Fees | NC Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. (XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX 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. HPML compliant |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304859542 | finding-3352 | 10/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2025 | A |
| XXX | XXXXX | 304871859 | finding-3352 | 10/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. taxes and insurance were escrowed and borrower received a copy of the appraisal | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. taxes and insurance were escrowed and borrower received a copy of the appraisal | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304871859 | FCRE8999 | 10/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304871859 | FPRO8998 | 10/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/28/2025 | A |
| XXX | XXXXX | 304859536 | finding-2962 | 10/21/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304859536 | finding-3352 | 10/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304859536 | FCRE8999 | 10/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304859536 | FPRO8998 | 10/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/21/2025 | A |
| XXX | XXXXX | 304871856 | FCOM8997 | 10/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304871856 | FCRE8999 | 10/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304871856 | FPRO8998 | 10/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304902782 | finding-2962 | 12/10/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.45% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.45% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | C A |
| XXX | XXXXX | 304902782 | finding-3352 | 12/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.45% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.45% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | C A |
| XXX | XXXXX | 304902782 | FPRO8998 | 12/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.45% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.45% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304902782 | FCRE8999 | 12/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.45% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.45% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304859531 | FCRE1316 | 12/17/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Please provide a 3rd party verification of the Borrower's employment. | Document Uploaded. Borrower owns XXX% of the business per narrative, therefore no VVOE is required. Thank you! | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client sent, "Document Uploaded. Borrower owns XXX% of the business per narrative, therefore no VVOE is required. Thank you!" | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | D A |
| XXX | XXXXX | 304859531 | FCRE1342 | 12/17/2025 | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing Please provide the Borrower's XXX months bank Statements to verify the income. | It was uploaded on the 10th-- all XXX months of the business bank stmts. Thank you; Document Uploaded. | Borrower 1 Business Bank Statements Provided; ; Bank Statements provided. ; Borrower 1 Business Bank Statements Missing | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | D A |
| XXX | XXXXX | 304859531 | FCRE1161 | 12/16/2025 | Credit | Missing Doc | Flood Certificate Missing | Missing Flood Certificate Please provide the Flood Certificate. | Document Uploaded. | Flood Certificate is fully present; Client cert provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | D A |
| XXX | XXXXX | 304859531 | FCRE7497 | 12/12/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide a mortgage Statement to verify the Borrower's monthly tax and insurance payment is escrowed on the Borrower's property located on XXX. Additionally, please provide verification of the Borrower has any Homeowner's Associates Dues on the property. | Document Uploaded. Property is an SFR, therefore no HOA Dues. Thank you! | Client provided mortgage Statement and payments for XXX | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | D A |
| XXX | XXXXX | 304859531 | FCOM8997 | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304859531 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304859530 | FCRE7497 | 12/17/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide the verification documents for property of XXX to verify the XXX monthly expense on Final 1003. | Document Uploaded. | Client provided HOI and Taxes. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | D A |
| XXX | XXXXX | 304859530 | FCOM8997 | 12/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304859530 | FPRO8998 | 12/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304859528 | finding-3352 | 11/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/06/2025 | A |
| XXX | XXXXX | 304859528 | FCRE8999 | 11/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/06/2025 | A |
| XXX | XXXXX | 304859528 | FPRO8998 | 11/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/06/2025 | A |
| XXX | XXXXX | 304859519 | finding-3352 | 10/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304859519 | finding-2623 | 10/27/2025 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304859519 | FCRE8999 | 10/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304859519 | FPRO8998 | 10/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304871840 | finding-3352 | 10/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304871840 | FCRE8999 | 10/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304871840 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304859468 | finding-3634 | 12/08/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required Refund in the amount of $XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in Discount Points on the Final CD and no COC was found in the file explaining the reason for the increase. Please provide a Valid COC or Cure Package | Document Uploaded. XX/XX/XXXX CD attached. Please review. TY; Document Uploaded. Discount points increased from $XXX on the XX/XX/XXXX CD to $ XXX on the XX/XX/XXXX CD. The COC is attached; however the difference is $XXX | Valid COC with applicable CD provided; exception resolved; Valid COC with applicable CD provided; exception resolved; COC provided is dated XX/XX/XXXX, however the file did not contain a CD dated within XXX days of the COC | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | C A |
| XXX | XXXXX | 304859468 | finding-3352 | 12/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304859468 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304859468 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902767 | finding-2978 | 12/01/2025 | Compliance | Points & Fees | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902767 | finding-3352 | 12/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902767 | FCOM5814 | 12/01/2025 | Compliance | TRID | TRID: Closing Disclosure Deficiency | The demand feature is not complete on page XXX of the Final CD. | Document Uploaded. | Cure package provided to the borrower; Exception downgraded to a 2/B | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Cured |  | C B |
| XXX | XXXXX | 304902767 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902767 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304871821 | FCRE1193 | 12/05/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender DTI XXX% Audit DTI XXX%. The Lender excluded an installment debt for $XXX. The Lender Guideline States: Installment debts with less than XXX payments remaining may not be excluded from the liabilities. The DTI of XXX% exceeds the program maximum of XXX% with a LTV of 90%. | Document Uploaded. ; Document Uploaded. My apologizes, I don't know why the uploads aren't saving properly--- this should be the tax cert and the XXX to match; Document Uploaded. The XXX matches the tax cert since there is not definitive proof of the exclusion. Thank you!; Document Uploaded. ; Document Uploaded. Property taxes for the county XXX – XXX = XXX / XXX = XXX. Since this is a purchase. Attached is the new XXX 1003 tax cert and exemption amount. Thank you! | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; ; Audited DTI of XXX% exceeds Guideline DTI of XXX%; Lender included a printout from Ownwell showing "Potential Exemption Refund" of XXX No actual verification that taxes were reduced. "Potential" doesn't satisfy condition. Countered. ; Lender included a printout from Ownwell showing "Potential Exemption Refund" of XXX Pending management decision to clear. ; Per lender, Property taxes for the county XXX – XXX = XXX / XXX = XXX." Unable to find evidence that reflects allowance in reduction of taxes. - Countered. ; Client provided updated 1008 and 1003 reflecting updated DTI. Lender States, "Property taxes for the county XXX – XXX = XXX / XXX = XXX." | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | C A |
| XXX | XXXXX | 304871821 | finding-3352 | 11/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/10/2025 | A |
| XXX | XXXXX | 304871821 | FPRO8998 | 11/10/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/10/2025 | A |
| XXX | XXXXX | 304871820 | FCRE1159 | 12/02/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. UPDATED; Document Uploaded. Borrower's insurance is one day after closing, with verification there are not claims on the policy. Please see attached.; Document Uploaded. | ; Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX.; Evidence of XX/XX/XXXX disbursement date provided. ; Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX.; ; Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX.; HOI | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/02/2025 | C A |
| XXX | XXXXX | 304871820 | FCOM3849 | 12/02/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required: Provide evidence of appraisal receipt by borrowers. | Document Uploaded. | Appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/02/2025 | B A |
| XXX | XXXXX | 304871820 | FCOM3531 | 12/02/2025 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. Documentation required: Provide evidence borrowers received a copy of the appraisal XXX business days prior to consummation. | Document Uploaded. | HPML compliant, exception resolved and downgraded.; Evidence of Appraisal Delivery to the Borrower Provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/02/2025 | C A |
| XXX | XXXXX | 304871820 | FCOM1233 | 12/02/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Discrepancy with final XXX and Final 1003 income. Final 1003 income XXX vs XXX income XXX which is XXX% expense factor derived from CPA. | Document Uploaded. updated 1003 attached to match XXX in file. | The Final 1003 is Present; An updated 1003 application with borrower's income of XXX was received. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/02/2025 | D A |
| XXX | XXXXX | 304871820 | finding-3352 | 11/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Documentation required: Provide evidence borrowers received a copy of the appraisal XXX business days prior to consummation. | Document Uploaded. | HPML compliant, exception resolved and downgraded. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/21/2025 | C A |
| XXX | XXXXX | 304871820 | finding-2962 | 11/21/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Documentation required: Provide evidence borrowers received a copy of the appraisal XXX business days prior to consummation. | Document Uploaded. | HPML compliant, exception resolved and downgraded. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/21/2025 | C A |
| XXX | XXXXX | 304871820 | finding-3634 | 11/05/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of $XXX required for increase in credit reporting fee. COC provided does not provide sufficient explanation for why fee increased. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or valid COC. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Document Uploaded. | Valid OCC provided; Exception resolved; Valid OCC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/05/2025 | C A |
| XXX | XXXXX | 304871820 | FPRO8998 | 10/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/29/2025 | A |
| XXX | XXXXX | 304871815 | FCRE8999 | 10/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304871815 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304871810 | finding-3352 | 10/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML comliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/27/2025 | A |
| XXX | XXXXX | 304871810 | finding-3635 | 10/27/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The XXX% tolerance violation in the amount of XXX is due to the missing Written List of Service Providers. Provide WLOSP for further TRID testing. | Document Uploaded. | SSPL provided; exception resolved; SSPL provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/27/2025 | C A |
| XXX | XXXXX | 304871810 | FCRE8999 | 10/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/23/2025 | A |
| XXX | XXXXX | 304871810 | FPRO8998 | 10/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/23/2025 | A |
| XXX | XXXXX | 304875822 | FCOM5814 | 11/19/2025 | Compliance | TRID | TRID: Closing Disclosure Deficiency | The demand feature on page XXX is no complete. | Document Uploaded. pccd attached | PCCD with all completed pages provided, exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.4% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.4% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | C A |
| XXX | XXXXX | 304875822 | FCRE7375 | 11/18/2025 | Credit | Borrower | XXXhip Does Not Meet Guideline Requirements | The Final 1003 reflects that the Borrower is a Non-Permanent Resident Alien. The identification documents provided in the loan file expired on XX/XX/XXXX, the Note date is XX/XX/XXXX. | This is an ITIN loan, and per our guidelines, the ID's are able to be expired. Please clear. | Rescinded original condition. Re-review of guides States, "Two government issued photo identification cards are required to validate identity. Examples of acceptable documents are, but not limited to, the following: § Consular ID Card (even if expired) § Non-U. Driver license § Passport from Country of Origin (even if expired) § State issued ID § U. Driver License § U. Visa (even if expired) § Voter ID (even if expired) ; Per client, This is an ITIN loan, and per our guidelines, the ID's are able to be expired. Please clear." Reviewing guides. |  | Rescinded |  | A |
| XXX | XXXXX | 304875822 | finding-2978 | 11/14/2025 | Compliance | Points & Fees | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.4% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.4% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304875822 | finding-3352 | 11/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.4% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.4% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304875822 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.4% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.4% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304875821 | FPRO0947 | 11/17/2025 | Property | Property | External Obsolescence Present | External obsolescence present. External obsolescence present in file per appraiser the subject is located on a busy street. Subject's adverse location affects value negatively, however, it does not affect its marketability. | Hi, can you please advise what is required for this? | External obsolescence meets guidelines.; Appraisal is as-is and value is accepted. Rescinded condition. Not necessary. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/17/2025 | B A |
| XXX | XXXXX | 304875821 | finding-2962 | 11/14/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304875821 | finding-3352 | 11/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304875821 | FCRE8999 | 11/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304871776 | finding-2261 | 11/03/2025 | Compliance | Points & Fees | NC Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. (XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX 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. HPML compliant |  | HPML compliant; Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304871776 | finding-3352 | 11/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304871776 | FCRE8999 | 11/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304871776 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304871775 | FPRO9990 | 12/27/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide a Third Party Valuation Product. | Document Uploaded. Arr uploaded | Third party valuation product provided within tolerance. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.11% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.11% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2025 | C A |
| XXX | XXXXX | 304871775 | FCRE8999 | 12/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.11% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.11% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304871775 | FCOM8997 | 12/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.11% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 71.11% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304893302 | finding-2962 | 11/22/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2025 | A |
| XXX | XXXXX | 304893302 | FCRE8999 | 11/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2025 | A |
| XXX | XXXXX | 304893302 | FPRO8998 | 11/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2025 | A |
| XXX | XXXXX | 304893302 | finding-3352 | 11/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2025 | A |
| XXX | XXXXX | 304875806 | FCOM8997 | 10/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304875806 | FCRE8999 | 10/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304875806 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304902738 | FCRE1193 | 01/13/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender DTI XXX% Audit DTI XXX%. The Lender excluded a debt for XXX which is listed on the subject Credit Report and was included on the Final 1003. Additionally, the Lender used XXX more in rental income for the departing address. The DTI increased from XXX% to XXX%. | Document Uploaded. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | C A |
| XXX | XXXXX | 304902738 | FVAL9739 | 01/13/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The subject property is a located in a PUD. The subject appraisal is not listed as a PUD and it does not include the HOA fee. | Document Uploaded. | Property/Appraisal Meets Guidelines; ; Updated appraisal provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | C A |
| XXX | XXXXX | 304902738 | FCRE1146 | 01/13/2026 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present. The Preliminary Title Reoport does not include the name of the Borrower or the amount of coverage. | Document Uploaded. | Title Document is fully Present. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | D A |
| XXX | XXXXX | 304902738 | FCOM1233 | 01/13/2026 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Ths subject loan is a purchase which required funds to close and reserves. The Final 1003 did not include any assets. | Document Uploaded. | The Final 1003 is Present | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | D A |
| XXX | XXXXX | 304902738 | FVAL9739 | 01/13/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The subject property is a located in a PUD. The subject appraisal is not listed as a PUD and it does not include the HOA fee. | Document Uploaded. | Property/Appraisal Meets Guidelines; Appraisal provided with PUD and HOA listed. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | C A |
| XXX | XXXXX | 304902738 | finding-2962 | 01/13/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 304902738 | finding-3634 | 01/13/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The zero tolerance violation in the amount of $XXX is due to the Appraisal fee increasing on the LE issued XX/XX/XXXX without a valid reason. | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXXXX | 304902738 | finding-3352 | 01/13/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 304902738 | FCRE3978 | 01/11/2026 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | The subject Credit Report dated XX/XX/XXXX included credit inquires from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The Lender Guideline States: Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established, borrowers must provide documentation on the current balance and payment and qualify accordingly. The required documentation was not found in the loan file. | Document Uploaded. | LOE provided; Condition cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/11/2026 | D A |
| XXX | XXXXX | 304871746 | finding-3634 | 01/05/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Re-inspection fee added on CD XX/XX/XXXX. The appraisal was signed by the appraiser on XX/XX/XXXX and the re-inspection was signed on XX/XX/XXXX, but the COC was completed on XX/XX/XXXX, therefore it was not disclosed within XXX business days from the change. | Document Uploaded. Cure package for the $XXX attached.; Under Regulation Z, a revised Loan Estimate must be issued within three business days of the creditor receiving information sufficient to establish that a valid change of circumstance has occurred (12 CFR 1026.19(e)(3)(iv)(A)). A Broker may act as the creditor's agent for purposes of taking the application and delivering the initial Loan Estimate, TRID does not impute automatic creditor knowledge of third-party documents that have not been submitted to or reviewed by the creditor. In this case, the appraisal review or re-inspection was not known or reasonably foreseeable at the time of initial disclosure. The appraisal was later received and evaluated by the creditor, and only at that point was it determined that additional appraisal work was required. That determination constitutes the change of circumstance under TRID, and the revised disclosure was issued within three business days of that determination, consistent with regulatory timing requirements. ; Document Uploaded. The cure should only be for $XXX. The borrower paid this as a POC on the PCCD. We should only cure the amount they paid. Please see the PCCD and receipt for appraisal re-inspection, and update condition, please. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; The SSRs show the lender received the appraisal on XX/XX/XXXX which was made as subject to which would the date the lender was considered to have received information sufficient to determine the change was required but the COC was not dated until XX/XX/XXXX which is more than a week after the lender received the appraisal. ; Updated cure amount to $XXX based on PCCD. ; 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.57% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.57% is less than Guideline LTV of 85% | Cured |  | C B |
| XXX | XXXXX | 304871746 | FPRO9990 | 12/09/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score is XX/XX/XXXX and not eligible for collateral reps and warrants, third party valuation required. | Document Uploaded. attached | Third party valuation product provided within tolerance.; Client provided Consolidated Collateral Analysis to counter act the UCDP score of XXX; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.57% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.57% is less than Guideline LTV of 85% | Resolved | 12/09/2025 | C A |
| XXX | XXXXX | 304871746 | FCRE9995 | 12/09/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Please provide asset Statement to show coverage for the requires reserves on the property at XXX as it is a financed property and guidelines require them. No reserves on the subject due to LTV under XXX% | Document Uploaded. No reserves are needed on this loan. This is a CORE NonQM. The additional reserves guidelines for financed properties is for XXX non QM guidelines. Please clear. | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Lender States, "Document Uploaded. No reserves are needed on this loan. This is a CORE NonQM. The additional reserves guidelines for financed properties is for XXX non QM guidelines. Please clear. Resolving. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.57% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 42.57% is less than Guideline LTV of 85% | Resolved | 12/09/2025 | C A |
| XXX | XXXXX | 304871741 | FCOM1851 | 12/19/2025 | Compliance | Disclosure | Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance Per title commitment XXX was the current lender. Lender used form H8, but since it's the same lender, the H9 is required. | Document Uploaded. | Correct RTC form has been provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | D A |
| XXX | XXXXX | 304871741 | finding-3352 | 11/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXXXX | 304871741 | FCRE8999 | 11/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXXXX | 304871741 | FPRO8998 | 11/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXXXX | 304875796 | finding-3352 | 10/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304875796 | FCRE8999 | 10/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304875796 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304823567 | finding-2962 | 10/25/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML downgraded | hPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304823567 | finding-3352 | 10/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML downgraded | hPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304823567 | FCRE8999 | 10/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304823567 | FPRO8998 | 10/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/25/2025 | A |
| XXX | XXXXX | 304871730 | finding-3352 | 12/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304871730 | finding-3635 | 12/10/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee. The XXX cure was applied towards the fee, reducing it to XXX Final charges that in total cannot increase by more than XXX% - XXX comparable charges in total that cannot increase more than XXX% = XXX recording fee. Tolerance variance $XXX he defect can be cured by providing a valid reason for the change. | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXXXX | 304871730 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304871730 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304871729 | FCRE3978 | 11/20/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | The subject Credit Report dated XX/XX/XXXX includes a credit inquiry dated XX/XX/XXXX. The Lender Guideline States: Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established borrowers must provide documentation on the current balance and payment and qualify accordingly. It is recommended the underwriter do additional diligence as necessary to ensure there is no undisclosed debt. A letter of explanation is in the file but it does not include the inquiry from XX/XX/XXXX. | Document Uploaded. | Lender provided evidence to support inquiry from XX/XX/XXXX and XX/XX/XXXX are the same. Resolved. ; Lender uploaded explanation stating inquiry was same as previous. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/20/2025 | D A |
| XXX | XXXXX | 304871729 | finding-3352 | 11/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows proof of appraisal delivery in loan file. Exception downgraded to a A. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2025 | A |
| XXX | XXXXX | 304871729 | FPRO8998 | 11/18/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2025 | A |
| XXX | XXXXX | 304871713 | finding-3352 | 01/06/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows, proof of appraisal delivery in loan file. Exception downgraded to a A. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/06/2026 | A |
| XXX | XXXXX | 304871713 | finding-3635 | 01/06/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The XXX% tolerance violation in the amount of XXX is due to the increase of Lender's Title Insurance Policy fee and the settlement fee and the addition of the ILAPD Anti Predatory Lending Certificate fee on the CD dated XX/XX/XXXX without valid COC. Title provider changed to Fidelity National Title on CD also which is the provider on SPL. | Document Uploaded. CURE package attached.; Document Uploaded. For charges subject to the XXX-percent cumulative tolerance, the good-faith standard under 12 CFR §1026.19(e)(3)(ii) is based on an AGGREGATE comparison between the estimated charges disclosed in the most recent valid revised estimate and the actual charges imposed on the consumer. As confirmed in the CFPB's Official Interpretation(attached), increases in some charges may be offset by decreases in others, and good faith is determined by whether the sum of all charges in this category increases by more than XXX percent in total. Applying this standard, the aggregate actual charges remain within the permissible XXX-percent threshold when compared to the aggregate estimated charges. Because the total did not increase by more than XXX percent, the good-faith requirement in §1026.19(e)(3)(ii) is satisfied and no tolerance cure is required.. ; Document Uploaded. Our initial LE disclosed all fees in the shoppable section for XXX the final CD shows less, and that is ok for the XXX% section and does not require a re-disclosure. Please review. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Updated cure amount to XXX after correcting a fee name. Per XXX(e)(XXX)(ii): XXX Calculating the aggregate amount of estimated charges. In calculating the aggregate amount of estimated charges for purposes of conducting the good faith analysis pursuant to § XXX(e)(XXX)(ii), the aggregate amount of estimated charges must reflect charges for services that are actually performed. For example, assume that the creditor included a XXX estimated fee for a pest inspection in the disclosures provided pursuant to § XXX(e)(XXX)(i), and the fee is included in the category of charges subject to § XXX(e)(XXX)(ii), but a pest inspection was not obtained in connection with the transaction, then for purposes of the good faith analysis required under § XXX(e)(XXX)(ii), the sum of all charges subject to § XXX(e)(XXX)(ii) paid by or imposed on the consumer is compared to the sum of all such charges disclosed pursuant to § XXX(e), minus the XXX estimated pest inspection fee. Fees listed on LE that were also charged on the CD paid by the borrower: Title – Closing Protection Letter XXX Title – Courier Fee XXX Title – IL State Policy XXX Title – Lenders Title Insurance XXX Title – Settlement Fee XXX Recording fees XXX Total: XXX% tolerance XXX = XXX Fees charged on the CD included in XXX% tolerance: Title – Closing Protection Letter XXX Title – Courier Fee XXX Title – IL Anti Predatory Lending XXX Title – IL State Policy XXX Title – Lenders Title Insurance XXX Title – Recording Service Fee XXX Title – Settlement Fee XXX Recording fees XXX Total XXX Total allowed without a cure XXX Cure required XXX ; This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; Not all fees on the LE can be included in the tolerance testing if they werent charged to the borrower on the CD. Per XXX(e)(XXX)(ii): XXX Calculating the aggregate amount of estimated charges. In calculating the aggregate amount of estimated charges for purposes of conducting the good faith analysis pursuant to § XXX(e)(XXX)(ii), the aggregate amount of estimated charges must reflect charges for services that are actually performed. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Cured |  | C B |
| XXX | XXXXX | 304871713 | FCRE1148 | 12/03/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Please provide final title policy or a title update showing the coverage required. | Document Uploaded. attached | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Client provided Title with updated coverage of XXX Resolving. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | B A |
| XXX | XXXXX | 304871713 | FPRO8998 | 11/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A |
| XXX | XXXXX | 304871713 | FCRE1196 | 11/20/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 75% exceeds Guideline HCLTV of 70% Lender exception request for 5% LTV per guidelines max allowed of XXX% due to property being rural. Subject LTV is 75%. The subject is within XXX miles of the local support facilities and major services, places of employment, retail and entertainment. Lender exception in file. | Audited HLTV of 75% exceeds Guideline HCLTV of 70% Lender exception request for 5% LTV per guidelines max allowed of XXX% due to property being rural. Subject LTV is 75%. The subject is within XXX miles of the local support facilities and major services, places of employment, retail and entertainment. Lender exception in file. | Audited HLTV of 75% exceeds Guideline HCLTV of 70% Lender exception request for 5% LTV per guidelines max allowed of XXX% due to property being rural. Subject LTV is 75%. The subject is within XXX miles of the local support facilities and major services, places of employment, retail and entertainment. Lender exception in file. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXXXX | 304871713 | FCRE1194 | 11/20/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception in file. Lender exception in file. |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXXXX | 304871713 | FCRE1195 | 11/20/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender exception request for 5% LTV per guidelines max allowed of XXX% due to property being rural. Subject LTV is 75%. The subject is within XXX miles of the local support facilities and major services, places of employment, retail and entertainment. | Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender exception request for 5% LTV per guidelines max allowed of XXX% due to property being rural. Subject LTV is 75%. The subject is within XXX miles of the local support facilities and major services, places of employment, retail and entertainment. |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXXXX | 304893283 | finding-2978 | 12/09/2025 | Compliance | Points & Fees | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893283 | finding-3352 | 12/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893283 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893283 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304871704 | FCRE1196 | 11/03/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 90% exceeds Guideline HCLTV of 85% Exception for HCLTV, compensating factors are DTI under XXX% Residual income greater than XXX, Clean credit XXX on all accounts. Exception Approved. | Audited HLTV of 90% exceeds Guideline HCLTV of 85% Exception for HCLTV, compensating factors are DTI under XXX% Residual income greater than XXX, Clean credit XXX on all accounts. Exception Approved. |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304871704 | FCRE1194 | 11/03/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 85% Exception for LTV, compensating factors are DTI under XXX% Residual income greater than XXX, Clean credit XXX on all accounts. Exception Approved. | Audited LTV of 90% exceeds Guideline LTV of 85% Exception for LTV, compensating factors are DTI under XXX% Residual income greater than XXX, Clean credit XXX on all accounts. Exception Approved. |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304871704 | FCRE1195 | 11/03/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 90% exceeds Guideline CLTV of 85% Exception for CLTV, compensating factors are DTI under XXX% Residual income greater than XXX, Clean credit XXX on all accounts. Exception Approved. | Audited CLTV of 90% exceeds Guideline CLTV of 85% Exception for CLTV, compensating factors are DTI under XXX% Residual income greater than XXX, Clean credit XXX on all accounts. Exception Approved. |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304871704 | FPRO8998 | 10/30/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304871704 | finding-3352 | 10/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant- Appraisal requirement met | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant- Appraisal requirement met | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/30/2025 | A |
| XXX | XXXXX | 304902726 | FCRE1193 | 12/27/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Income is short per credit review calculation by $XXX. Missing bank Statement for XXX XXX Acct. #XXX. Lender income calculator showing (based on excluded deposits and included deposits calculated) a XXX deposit to be XXX to verify; however this is still showing a decrease in income from what lender used of $XXX. | Document Uploaded. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2025 | C A |
| XXX | XXXXX | 304902726 | FPRO9990 | 12/27/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU Score is not provided on FNMA report and FHLMC is showing not eligible therefore a TPV would be required. | The CU Risk Score is only XXX Why are you asking for Third Party Valuation? Please look on page XXX of the SSR.; Document Uploaded. Hi CU Risk Score is on there. It's only XXX | Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2025 | C A |
| XXX | XXXXX | 304902726 | FCRE7805 | 12/24/2025 | Credit | Missing Doc | Missing Income - Bank Statements | Please provide XXX account #XXX bank Statement for XXX XXX Income could not be fully verified and calculated without this Statement in the file. | Document Uploaded. Hi, the account started with XXX #XXX and then moved to XXX #XXX. The attached LOE was in the file for the change. | Statements provided. Cleared. Worksheet attached. DTI under XXX% ; Client provided LOE. Pending review. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | D A |
| XXX | XXXXX | 304902726 | FCOM8997 | 12/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304902724 | FCRE1483 | 12/04/2025 | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements The loan file includes a gift and Gift Letter for XXX however there is no evidence of the transfer of funds. The Lender Guideline says to follow XXX. The XXX Guideline States: A signed gift letter is required, along with proof of fund transfer and, in some cases, evidence of shared residency between donor and borrower. | Document Uploaded. | Asset 5 Meets Guideline Requirements Or Not Applicable; Bank Statements verifying transfer of funds provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2025 | C A |
| XXX | XXXXX | 304902724 | FCRE1484 | 12/04/2025 | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Asset 6 Does Not Meet Guideline Requirements The loan file includes a gift and Gift Letter for XXX however there is no evidence of the transfer of funds. The Lender Guideline says to follow XXX. The XXX Guideline States: A signed gift letter is required, along with proof of fund transfer and, in some cases, evidence of shared residency between donor and borrower. | \*\*\*UPDATE CORRECTION\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*There is a joint account which we have an access letter for XXX XXX. Our gift funds for XXX from #XXX which is uploaded. Please see Check date XX/XX/XXXX for XXX (uploaded); Document Uploaded. This XXX gift is from a joint account between our borrower-XXX and the donor XXX. It is a joint account. | Asset 6 Meets Guideline Requirements Or Not Applicable; Bank Statements verifying funds provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2025 | C A |
| XXX | XXXXX | 304902724 | FCRE7497 | 11/26/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file is missing the HOI prmium for the first investment property listed on the Final 1003. The HOI coverage for the property is included but the annual premium was not included. | Document Uploaded. | Bank Statements reduced by XXX% per ownership percentage, EMA clearing account. Insurance for XXX, the address updated by city. Most recent mortgage Statement provided. HOI reflects premium | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | D A |
| XXX | XXXXX | 304902724 | finding-3352 | 11/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304902724 | FPRO8998 | 11/19/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304875779 | finding-2962 | 11/07/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/07/2025 | C A |
| XXX | XXXXX | 304875779 | finding-3352 | 11/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/07/2025 | C A |
| XXX | XXXXX | 304875779 | FPRO8998 | 11/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304875779 | FCRE8999 | 11/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.86% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.86% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304871678 | FCOM1544 | 12/12/2025 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Documentation Required- Provide full copy of final CD dated XX/XX/XXXX. Copy provided is missing page XXX | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | TRID: Final Closing Disclosure Provided; All CDs uploaded were missing page XXX with the loan disclosures and escrow sections; CDs provided were missing Page XXX | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | D A |
| XXX | XXXXX | 304871678 | finding-3352 | 12/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304871678 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304871678 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304871677 | FCOM1233 | 01/20/2026 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Please provide an updated Final 1003 with a completed Current Employment/Self Employment and Income section with the Position or Title and Start Date information. | Document Uploaded. | The Final 1003 is Present; Client provided updated 1003. Resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.01% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.01% is less than Guideline CLTV of 85% | Resolved | 01/20/2026 | D A |
| XXX | XXXXX | 304871677 | FCRE1316 | 01/20/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Please provide a 3rd party verification of employment. The business license in file expired on XX/XX/XXXX. Please provide an updated business license or a CPA verifying the Borrower's current employment status. | Document Uploaded. ; Current business license is not required as we verified the two-year existence of the business through the govt website. The license was initially provided to show the business name operating as XXX thank you! | Borrower 1 3rd Party VOE Prior to Close Was Provided; Internet search uploaded. Resolved. ; The evidence provided within file do not meet current guides. The response stating verified two year existence through govt website along with the documents does not verify that the business is current. Guideslines require, "a letter from either the business tax professional certifying two years of self-employment in the same business, or regulatory agency or licensing XXX reflecting license is still active and not expired; or an internet search that verifies business' phone number or address or for self-employed independent contractors a letter from third party company currently utilizing their service(s)." Countered; Client sent, "Current business license is not required as we verified the two-year existence of the business through the govt website. The license was initially provided to show the business name operating as XXX, thank you!" | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.01% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.01% is less than Guideline CLTV of 85% | Resolved | 01/20/2026 | D A |
| XXX | XXXXX | 304871677 | FPRO8998 | 01/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.01% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.01% is less than Guideline CLTV of 85% | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 304871677 | FCOM8997 | 01/12/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 46.01% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.01% is less than Guideline CLTV of 85% | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 304875771 | FCRE3843 | 12/02/2025 | Credit | Eligibility | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Please provide proof of additional assets to cover the required XXX months of reserves for subject and primary residence properties. The guidelines for LTV of 80% is XXX months along with XXX months for any other financed property so XXX are required per guidelines. There are not enough funds showing with current assets in the file that cover funds to close and reserves. Final XXX for lender does indicate a shortage however a lender exception was not found in the file. | Document Uploaded. Hi, even with XXX months, we still have enough assets. We have XXX in Verified Assets. XXX months is only $XXX; Hi, this is Core NonQM, not XXX NonQM. Core only need XXX months. | The required number of months reserves are to be seasoned does meet Guideline requirement.; The required number of months reserves are to be seasoned does not meet Guideline requirement.; The required number of months reserves are to be seasoned does not meet Guideline requirement. Please provide proof of additional assets to cover the required XXX months of reserves for subject and primary residence properties. The guidelines for LTV of 80% is XXX months along with XXX months for any other financed property so XXX are required per guidelines. The Borrower's Primary Residence is financed so XXX additional months reserves required. Guidelines Core NonQM XX/XX/XXXX Section - Reserves - Core NonQM - States All Occupancies: XXX mos for each addtn'l financed property (based on subject property PITIA). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | D A |
| XXX | XXXXX | 304875771 | FCRE9995 | 12/02/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Please provide proof of additional assets to cover the required XXX months of reserves for subject and primary residence properties. | Document Uploaded. ; Document Uploaded. Hi, even with XXX months, we still have enough assets. We have XXX in Verified Assets. XXX months is only $XXX; Hi, this is Core NonQM, not XXX NonQM. Core only need XXX months. | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; The required number of months reserves are to be seasoned does not meet Guideline requirement. Please provide proof of additional assets to cover the required XXX months of reserves for subject and primary residence properties. The guidelines for LTV of 80% is XXX months along with XXX months for any other financed property so XXX are required per guidelines. The Borrower's Primary Residence is financed so XXX additional months reserves required. Guidelines Core NonQM XX/XX/XXXX Section - Reserves - Core NonQM - States All Occupancies: XXX mos for each addtn'l financed property (based on subject property PITIA). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | C A |
| XXX | XXXXX | 304875771 | FCOM8997 | 11/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/20/2025 | A |
| XXX | XXXXX | 304875771 | FPRO8998 | 11/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/20/2025 | A |
| XXX | XXXXX | 304871665 | finding-3652 | 12/26/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he 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 XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender Credit violation is due to the decrease of the Lender Credits on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | C A |
| XXX | XXXXX | 304871665 | finding-3352 | 12/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 304871665 | FCRE8999 | 12/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2025 | A |
| XXX | XXXXX | 304871665 | FPRO8998 | 12/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2025 | A |
| XXX | XXXXX | 304893261 | finding-2962 | 12/22/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304893261 | finding-3352 | 12/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304893261 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304893261 | FCRE8999 | 12/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304871653 | finding-3352 | 11/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304871653 | finding-3634 | 11/25/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 loan failed charges that cannot increase test. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $XXX is due to increase of the transfer taxes fee from $XXX on the initial LE to $XXX on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. ; The loan estimates do not include the cents; therefore, the initial CD captures the complete amount including the cents. Please clear, Thank you. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; From XXX guidance: Fee tolerance considerations in relation to XXX% and XXX% fees that are rounded on initial LEs, the tolerance evaluation will be based on the consideration of the possibility the LE figures disclosed were rounded at time of LE disclosure and only issue an exception if the difference is outside the permissible rounded value considerations of rounding to the nearest dollar. (e. the LE discloses a fee for a service the consumer cannot shop for, the credit report. On the LE it reflects a charge of $XXX and the CD reflects $XXX. The fee would not generate an exception) However, in this case the LE reflects $XXX and the charge on the CD is $XXX this would warrant an exception | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Cured |  | C B |
| XXX | XXXXX | 304871653 | FCRE7495 | 11/19/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | The Borrower's Final 1003 indicates a liability to XXX account #XXX, with a monthly payment of XXX and a balance of XXX The credit report does not indicate a payment or balance for XXX account #XXX. Please provide verification with a Statement of the updated balance and payment. | Document Uploaded. | Client provided credit report dated XX/XX/XXXX. Paypal account verified. Resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2025 | D A |
| XXX | XXXXX | 304871653 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304871644 | FCOM8997 | 11/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2025 | A |
| XXX | XXXXX | 304871644 | FCRE8999 | 11/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2025 | A |
| XXX | XXXXX | 304871644 | FPRO8998 | 11/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2025 | A |
| XXX | XXXXX | 304875761 | finding-2962 | 11/03/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304875761 | finding-3352 | 11/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304875761 | FCRE8999 | 11/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304875761 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304871637 | FCOM8997 | 12/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/18/2025 | A |
| XXX | XXXXX | 304871637 | FCRE8999 | 12/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/18/2025 | A |
| XXX | XXXXX | 304871637 | FPRO8998 | 12/18/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/18/2025 | A |
| XXX | XXXXX | 304902697 | finding-2962 | 12/03/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902697 | finding-3352 | 12/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902697 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902697 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304875752 | finding-2962 | 11/07/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304875752 | finding-3352 | 11/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304875752 | FCRE8999 | 11/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304875752 | FPRO8998 | 11/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/07/2025 | A |
| XXX | XXXXX | 304871636 | FCRE9995 | 12/01/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The guidelines require three months reserves, or XXX with an LTV > XXX% Please provide additional assets as the Borrower is short $XXX. | Document Uploaded. | Client provided documentation showing balance in acct XXX at XXX on XX/XX/XXXX. Also, wire evidencing borrower received credit due to excess funds at close for $XXX. Sufficient assets. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | C A |
| XXX | XXXXX | 304871636 | FCRE1198 | 12/01/2025 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The guidelines require three months reserves, however the file contains only XX/XX/XXXX months reserves. Please provide additional assets to cover the missing XX/XX/XXXX months reserves. | Document Uploaded. | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Client provided documentation showing balance in acct XXX at XXX on XX/XX/XXXX. Also, wire evidencing borrower received credit due to excess funds at close for $XXX. Pending. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | C A |
| XXX | XXXXX | 304871636 | FPRO8998 | 11/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/12/2025 | A |
| XXX | XXXXX | 304871636 | FCOM8997 | 11/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/12/2025 | A |
| XXX | XXXXX | 304902696 | finding-3634 | 12/17/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase of the appraisal fee from $XXX to $XXX on the LE dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not provide reason for fee increase. | Document Uploaded. cure package attached.; Document Uploaded. ; Document Uploaded. ; Please see rebuttal from our Compliance department. Per Compliance the timing was met, and no cure is needed: Under 12 CFR 1026.19(e)(XXX)(iv)(A), the three-business day timing requirement for a revised estimate begins when the creditor/lender receives information establishing that a valid reason for a revised estimate applies. In a wholesale transaction, the mortgage broker is not the creditor's agent for TRID purposes, so broker knowledge or borrower payment does not constitute creditor knowledge. The creditor did not receive information about the increased appraisal fee until the invoice was delivered on XX/XX/XXXX, so this is the correct date for starting the timing under Regulation Z. The revised LE and COC issued on XX/XX/XXXX were therefore timely; The reason for the appraisal fee increase was because there is an appraisal invoice in the file showing the correct amount billed from the appraisal company and since Invoice is dated on XX/XX/XXXX, it's okay to increase it since it's within XXX days of the initial LE I was sending. The dates are notated that on the COC Form | Cure package provided to the borrower; exception downgraded to a 2/B; The triggering event is when the broker has the information sufficient to establish that a changed circumstance has occurred. Compliance testing guides treat the broker as an extension of the creditor for these purposes, and their knowledge is the creditor's knowledge for compliance timing purposes. Information delivered to an agent (broker) is considered delivered to the the creditor and knowledge of the creditor's agent is imputed to the creditor.; The invoice was dated XX/XX/XXXX, however the cost increased prior to that as it was paid for on XX/XX/XXXX which is indicates it was not disclosed to the borrower timely. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Cured |  | C B |
| XXX | XXXXX | 304902696 | FCRE8999 | 11/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304902696 | FPRO8998 | 11/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304902695 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304902695 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304902695 | finding-3352 | 12/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304875749 | FCRE5116 | 01/22/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guidelines, a private verification of rent is allowed for loans with an LTV less than or equal to XXX% and a FICO greater than or equal to XXX The file contains a private verification of rent however, subject loan LTV equals XXX% There is no evidence of payments made in the Borrower's bank Statement or canceled checks. Please provide verification of the Borrower's rental history. | Document Uploaded. Please see Exception. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Exception provided allowing VOR with no evidence of rents. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/22/2026 | D A |
| XXX | XXXXX | 304875749 | finding-3352 | 12/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304875749 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902683 | FCRE7495 | 12/12/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | The Final 1003 indicates a payment to XXX in the amount XXX and a payment to XXX XXX in the amount of XXX with a balance of XXX The payment to XXX, per the credit report, is only XXX and the XXX XXX account is not provided on the credit report. Please provide verification of the payments to XXX XXX and XXX and if applicable, an updated Final 1003. | Document Uploaded. | Lender provided updated credit report which shows both account with the current payment. Cleared. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/12/2025 | D A |
| XXX | XXXXX | 304902683 | finding-2962 | 12/01/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902683 | finding-3352 | 12/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902683 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304875727 | finding-3652 | 12/01/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX on the LE dated XX/XX/XXXX to XXX on the CD dated XX/XX/XXXX without valid COC. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved; The COC provided did not resolve the exception; the COCs do not provide a reason the lender credit amount decreased; The COC provided did not resolve the exception, the COC did not contain the reason the lender credits decreased | Valid COC provided; exception resolved; Valid COC provided; exception resolved; The COC provided did not resolve the exception; the COCs do not provide a reason the lender credit amount decreased; The COC provided did not resolve the exception, the COC did not contain the reason the lender credits decreased | Resolved | 12/01/2025 | C A |
| XXX | XXXXX | 304875727 | finding-3352 | 12/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant |  | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304875727 | FCRE8999 | 11/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared |  | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304875727 | FPRO8998 | 11/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared |  | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304902679 | finding-3352 | 12/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant with evidenced escrows and appraisal delivery | What is needed here? | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/23/2025 | C A |
| XXX | XXXXX | 304902679 | FCRE8999 | 12/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304902679 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304902678 | finding-2978 | 12/08/2025 | Compliance | Points & Fees | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304902678 | finding-3352 | 12/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304902678 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304902678 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304875713 | finding-3352 | 12/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2025 | C A |
| XXX | XXXXX | 304875713 | finding-3635 | 12/30/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The XXX% tolerance violation in the amount of XXX is due to the increase of recording fee on the PCCD dated XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; The broker cure was not listed on any documentation in file. There was a cure acknowledgment provided but no addditioanl documentation. A complete cure package for a cure amount under XXX requires: PCCD, LOE and Copy of check ; Cure package is missing PCCD, LOE and copy of check | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Cured |  | C B |
| XXX | XXXXX | 304875713 | FCRE8999 | 11/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304875713 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304875710 | FCRE1151 | 12/04/2025 | Credit | Title | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided The Commitment does not include a chain of Title for the last XXX months. A link was provided on the Commitment but a prior deed or mortgage was not found in the loan file to verify the transfer of ownership. | Document Uploaded. | Satisfactory Chain of Title has been provided; Lender provided Title. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2025 | C A |
| XXX | XXXXX | 304875710 | FCRE2900 | 11/18/2025 | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non US Citizen Borrower is missing Identification Document. The Final 1003 reflects that the Borrower is a Non-Permanent Resident Alien. The required Non US Citizen documentation was not found in the loan file. | Document Uploaded. | Borrower Identification Document provided.; Client provided passport. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/18/2025 | D A |
| XXX | XXXXX | 304875710 | finding-3352 | 11/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/12/2025 | A |
| XXX | XXXXX | 304875710 | FPRO8998 | 11/12/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/12/2025 | A |
| XXX | XXXXX | 304902675 | finding-2962 | 12/08/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304902675 | finding-3634 | 12/08/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation is due to the increase of the discount points fee on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | C A |
| XXX | XXXXX | 304902675 | finding-3352 | 12/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304902675 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902675 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902673 | FCRE1193 | 12/17/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Difference of income is XXX which is contributing to the higher DTI of XXX%. The loan doesn't qualify for the the requirements of over XXX% DTI because it is a cash out refi and only allowed on a Primary purchase transaction. XXX month bank Statement, lender doubled the XXX and September XXX bank deposits which is not correct and contributed to more income for those months per lender income calculator. | Document Uploaded. ; Document Uploaded. UW omitted installment loan that has XXX payments remaining and our DTI is now at XXX%. Please see attached the updated XXX/1003. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Removed installment payment that is less that XXX payments left.; Client provided XXX reflects incorrect "All other monthly payments" at XXX however actual is XXX which keeps DTI over XXX% Newly received 1003 also reflects XXX Countered. ; Client sent income worksheet, 1003 and XXX Pending review. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.74% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.74% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | C A |
| XXX | XXXXX | 304902673 | finding-2962 | 12/03/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.74% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.74% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902673 | finding-3352 | 12/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.74% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.74% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902673 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.74% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.74% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304893221 | FCOM3849 | 11/04/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). | Document Uploaded. | Evidence of appraisal delivery provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | B A |
| XXX | XXXXX | 304893221 | FCOM5135 | 11/04/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2025 | B A |
| XXX | XXXXX | 304893221 | FPRO8998 | 11/03/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304893221 | FCRE8999 | 11/03/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/03/2025 | A |
| XXX | XXXXX | 304902671 | FCRE1195 | 11/24/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 70% Guidelines require max LTV of 70% for FICO XXX (XXX% for FICO XXX+) when using private party VOR. Credit report mid score is XXX VOR in file is from individual. | Document Uploaded. Hi, the VOR was accompanied with XXX Months proof of payment made from the borrower to the landlord. Proof of payments attached. | Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/24/2025 | C A |
| XXX | XXXXX | 304902671 | FCRE1193 | 11/24/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% At origination, XXX and XXX cards were excluded. Both accounts are reflected on the credit report and Statements in file. Statements reflect lower balance and payment than credit report and are most recent dated, used during audit. DTI increased above the allowable from XXX to XXX% exceeding the guideline max DTI of XXX% | Please advise why this is over XXX% Those XXX debts are being paid at closing.; Document Uploaded. Hi, those are being paid at closing. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX%; PCCD provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/24/2025 | C A |
| XXX | XXXXX | 304902671 | FCRE1196 | 11/24/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 70% Guidelines require max LTV of 70% for FICO XXX (XXX% for FICO XXX+) when using private party VOR. Credit report mid score is XXX VOR in file is from individual. | Document Uploaded. Hi, the VOR was accompanied with XXX Months proof of payment made from the borrower to the landlord. Proof of payments attached. | Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/24/2025 | C A |
| XXX | XXXXX | 304902671 | FCRE1194 | 11/24/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 70% Guidelines require max LTV of 70% for FICO XXX (XXX% for FICO XXX+) when using private party VOR. Credit report mid score is XXX VOR in file is from an individual. | Document Uploaded. Hi, the VOR was accompanied with XXX Months proof of payment made from the borrower to the landlord. Proof of payments attached. | Audited LTV of 80% is less than or equal to Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/24/2025 | C A |
| XXX | XXXXX | 304902671 | finding-3352 | 11/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304902671 | FPRO8998 | 11/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304902667 | finding-3352 | 12/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/04/2025 | A |
| XXX | XXXXX | 304902667 | FPRO8998 | 12/04/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/04/2025 | A |
| XXX | XXXXX | 304902667 | FCRE8999 | 12/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/04/2025 | A |
| XXX | XXXXX | 304875699 | finding-3352 | 01/07/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 304875699 | finding-3634 | 01/07/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $XXX is due to the addition of the appraisal review fee on the CD dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not provide reason for fee addition. UCDP report verifies original submission date of XX/XX/XXXX. Re-disclosure not in required timeframe. | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Cured |  | C B |
| XXX | XXXXX | 304875699 | FPRO8998 | 12/18/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/18/2025 | A |
| XXX | XXXXX | 304875699 | FCRE8999 | 12/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/18/2025 | A |
| XXX | XXXXX | 304893194 | FCRE8999 | 12/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 304893194 | FPRO8998 | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 304893194 | FCOM8997 | 12/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 304875679 | finding-3352 | 12/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/21/2025 | A |
| XXX | XXXXX | 304875679 | FPRO8998 | 12/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/21/2025 | A |
| XXX | XXXXX | 304875679 | FCRE8999 | 12/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/21/2025 | A |
| XXX | XXXXX | 304902641 | FCRE1148 | 01/05/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Please provide an updated Title Coverage in the Amount of the subject lien of XXX | Document Uploaded. attached | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Client provided updated Title Report reflecting XXX amount of Insurance. Cleared. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.56% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.56% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/05/2026 | B A |
| XXX | XXXXX | 304902641 | FCRE2900 | 01/05/2026 | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non US Citizen Borrower is missing Identification Document. Per guidelines, all nonpermanent resident aliens must provide evidence of a valid, acceptable visa or an Employment Authorization Document (EAD). Please provide evidence of a valid, acceptable visa or an Employment Authorization Document (EAD). | Document Uploaded. This is an ITIN loan. No EAD docs exist. ITIN docs attached XXX | Client provided evidence that Non US ID is not required with ITIN loans. ITIN letter provided for the Borrower and Patriot Act information. Cleared.; Borrower Identification Document provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.56% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.56% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/05/2026 | D A |
| XXX | XXXXX | 304902641 | finding-2962 | 01/02/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.56% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.56% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/02/2026 | A |
| XXX | XXXXX | 304902641 | finding-3634 | 01/02/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the (Broker Fee) -- Final CD shows that Loan Amount was increased which also increased the Broker Fee, there is not a COC dated after XX/XX/XXXX in the loan file disclosing this increase to the borrower. Refund is required or a COC showing this increase and also received by the borrower prior to consummation. | Document Uploaded. attached | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.56% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.56% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/02/2026 | C A |
| XXX | XXXXX | 304902641 | finding-3352 | 01/02/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.56% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.56% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/02/2026 | A |
| XXX | XXXXX | 304902641 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.56% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.56% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304902638 | finding-3352 | 12/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902638 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902638 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304875675 | FCRE8999 | 11/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.07% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.07% is less than Guideline CLTV of 75% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304875675 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.07% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.07% is less than Guideline CLTV of 75% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304875675 | finding-3352 | 11/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.07% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.07% is less than Guideline CLTV of 75% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304875673 | finding-3352 | 12/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304875673 | finding-2623 | 12/01/2025 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304875673 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304875673 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304893183 | FCRE7495 | 12/04/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | The Final 1003 indicates the Borrower's XXX (acct #XXX) and XXX (acct #XXX) accounts indicate a balance and monthly payment however, the credit report in file indicates no balance and no monthly payment. Please provide verification of the accounts' balance and monthly payment. | Document Uploaded. | Lender provided updated 1003 to cure the liability discrepancy. Resolved; Lender provided updated 1003 to cure the liability discrepancy. Resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Resolved | 12/04/2025 | D A |
| XXX | XXXXX | 304893183 | finding-2962 | 11/25/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304893183 | finding-3352 | 11/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304893183 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304893182 | FCOM8997 | 11/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Resolved | 11/12/2025 | A |
| XXX | XXXXX | 304893182 | FCRE8999 | 11/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Resolved | 11/12/2025 | A |
| XXX | XXXXX | 304893182 | FPRO8998 | 11/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Resolved | 11/12/2025 | A |
| XXX | XXXXX | 304902631 | finding-3352 | 12/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902631 | finding-2623 | 12/01/2025 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902631 | finding-3634 | 12/01/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the discount fee from CD XX/XX/XXXX to CD XX/XX/XXXX. The COC XX/XX/XXXX is not sufficient to determine if this was a valid increase. Please provide a more detailed explanation. | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | C A |
| XXX | XXXXX | 304902631 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304902631 | FCRE8999 | 11/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304902631 | FCRE1194 | 11/24/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 70% exceeds Guideline LTV of 65% Exception for LTV, compensating factors are residual income over $XXX, payment shock under XXX% cash out covers over XXX months of reserves, mortgage history XXX. Exception Approved. | Audited LTV of 70% exceeds Guideline LTV of 65% Exception for LTV, compensating factors are residual income over $XXX, payment shock under XXX% cash out covers over XXX months of reserves, mortgage history XXX. Exception Approved. |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 304902631 | FCRE1196 | 11/24/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 70% exceeds Guideline HCLTV of 65% Exception for HLTV, compensating factors are residual income over $XXX, payment shock under XXX% cash out covers over XXX months of reserves, mortgage history XXX. Exception Approved. | Audited HLTV of 70% exceeds Guideline HCLTV of 65% Exception for HLTV, compensating factors are residual income over $XXX, payment shock under XXX% cash out covers over XXX months of reserves, mortgage history XXX. Exception Approved. |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 304902631 | FCRE1195 | 11/24/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 70% exceeds Guideline CLTV of 65% Exception for CLTV, compensating factors are residual income over $XXX, payment shock under XXX% cash out covers over XXX months of reserves, mortgage history XXX. Exception Approved. | Audited CLTV of 70% exceeds Guideline CLTV of 65% Exception for CLTV, compensating factors are residual income over $XXX, payment shock under XXX% cash out covers over XXX months of reserves, mortgage history XXX. Exception Approved. |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 304902625 | FCRE1193 | 12/04/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI increased from XXX% to XXX% due to income calculated lower at audit. Lender income calculation worksheet reflects qualifying income XXX in file reflects $XXX. Lender income calculation worksheet reflects XXX months months of bank Statements but used XXX month average to calculate. Audit calculation based on guidelines requirements to determine the gross monthly qualifying income using total allowable monthly deposits divided by XXX using XXX most recent months of Statements. Audit calculated income XXX expense factor calculated based on XXX employees, service business at XXX% CPA letter confirms XXX% ownership. | Document Uploaded. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Lender provided CPA reflecting XXX% expense factor - pending review. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2025 | C A |
| XXX | XXXXX | 304902625 | FCRE3500 | 12/04/2025 | Credit | Borrower | Borrower residency documentation not provided or issue with documentation | Guidelines require all non permanent residents to provide a valid visa or an EAD. Unable to location this documentation in file. | Document Uploaded. | Lender provided ITIN | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2025 | C A |
| XXX | XXXXX | 304902625 | FCOM8997 | 11/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2025 | A |
| XXX | XXXXX | 304902625 | FPRO8998 | 11/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2025 | A |
| XXX | XXXXX | 304902613 | FPRO9990 | 12/18/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The UCDP report reflects a CU score of XXX and the file was missing a Third Party Valuation report. | Document Uploaded. apprsl review in file | Third party valuation product provided within tolerance. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/18/2025 | C A |
| XXX | XXXXX | 304902613 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304902613 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304871878 | finding-3634 | 11/19/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 loan failed charges that cannot increase test. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $XXX is due to increase of the discount points fee from $XXX to $XXX on final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. COC attached. | valid COC provided; exception resolved; valid COC provided; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2025 | C A |
| XXX | XXXXX | 304871878 | finding-3352 | 11/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304871878 | FPRO8998 | 11/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304871878 | FCRE8999 | 11/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/14/2025 | A |
| XXX | XXXXX | 304902608 | FCOM2298 | 12/17/2025 | Compliance | Missing Doc | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX(a)(XXX) Notice for Home Equity Disclosure is not Provided | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX(a)(XXX) Notice for Home Equity Disclosure is not Provided. Documentation required to clear exception: Please provide XXX(a)(XXX) Notice for Home Equity Disclosure and evidence it was provided at least XXX days prior to closing XX/XX/XXXX. | Document Uploaded. | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX(a)(XXX) Notice for Home Equity Disclosure is Provided or Not Applicable. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | D A |
| XXX | XXXXX | 304902608 | finding-3352 | 12/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. no cure required, HPML compliant with evidenced escrows and appraisal delivery. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. no cure required, HPML compliant with evidenced escrows and appraisal delivery. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304902608 | FCRE8999 | 12/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304902608 | FPRO8998 | 12/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304902600 | finding-3352 | 11/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/24/2025 | A |
| XXX | XXXXX | 304902600 | FCRE8999 | 11/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/24/2025 | A |
| XXX | XXXXX | 304902600 | FPRO8998 | 11/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/24/2025 | A |
| XXX | XXXXX | 304902594 | finding-3352 | 12/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902594 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902594 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902580 | finding-3352 | 12/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902580 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902580 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902579 | finding-2962 | 12/03/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902579 | finding-3352 | 12/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902579 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902576 | FCOM8997 | 12/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902576 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902576 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902575 | finding-2962 | 12/10/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | C A |
| XXX | XXXXX | 304902575 | finding-3352 | 12/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant - Escrowed and appraisal delivered within XXX business days of closing |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | C A |
| XXX | XXXXX | 304902575 | FCRE8999 | 12/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304902575 | FPRO8998 | 12/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304902560 | finding-3352 | 12/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902560 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902560 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304893049 | finding-3352 | 12/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 304893049 | finding-2623 | 12/26/2025 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 304893049 | FCRE8999 | 12/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 304893049 | FPRO8998 | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 304893047 | finding-3352 | 01/12/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | C A |
| XXX | XXXXX | 304893047 | FCRE8999 | 01/12/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 304893047 | FPRO8998 | 01/12/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 304902549 | finding-3352 | 12/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgrade | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgrade | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902549 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902549 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304893039 | finding-2261 | 12/08/2025 | Compliance | Points & Fees | NC Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. (XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304893039 | finding-3352 | 12/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304893039 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304893039 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304893038 | FCOM8997 | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893038 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893038 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304902545 | finding-3352 | 12/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | C A |
| XXX | XXXXX | 304902545 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304902545 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304902543 | finding-3352 | 12/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant with evidenced escrows and appraisal delivery. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant with evidenced escrows and appraisal delivery. | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 304902543 | FPRO8998 | 12/23/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 304902543 | FCRE8999 | 12/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 304902543 | FCRE1195 | 12/23/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 90% exceeds Guideline CLTV of 85% Exception approved for HCLTV/LTV/CLTV exceeding guideline maximum. The compensating factors: Mtg history XXX, Residual income greater than XXX, DTI under XXX% greater than XXX months reserves. | Audited CLTV of 90% exceeds Guideline CLTV of 85% Exception approved for HCLTV/LTV/CLTV exceeding guideline maximum. The compensating factors: Mtg history XXX, Residual income greater than XXX, DTI under XXX% greater than XXX months reserves. |  | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 304902543 | FCRE1194 | 12/23/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 85% Exception approved for HCLTV/LTV/CLTV exceeding guideline maximum. The compensating factors: Mtg history XXX, Residual income greater than XXX, DTI under XXX% greater than XXX months reserves. | Audited LTV of 90% exceeds Guideline LTV of 85% Exception approved for HCLTV/LTV/CLTV exceeding guideline maximum. The compensating factors: Mtg history XXX, Residual income greater than XXX, DTI under XXX% greater than XXX months reserves. |  | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 304902543 | FCRE1196 | 12/23/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 90% exceeds Guideline HCLTV of 85% Exception approved for HCLTV/LTV/CLTV exceeding guideline maximum. The compensating factors: Mtg history XXX, Residual income greater than XXX, DTI under XXX% greater than XXX months reserves. | Audited HLTV of 90% exceeds Guideline HCLTV of 85% Exception approved for HCLTV/LTV/CLTV exceeding guideline maximum. The compensating factors: Mtg history XXX, Residual income greater than XXX, DTI under XXX% greater than XXX months reserves. |  | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 304902541 | FCRE1341 | 01/08/2026 | Credit | Income/Employment | Borrower 1 Personal Bank Statements Less Than XXX Months Provided | The Borrower qualified on the XXX month bank Statement program. The bank Statement for the month of XXX XXX was not found in the loan file. | Document Uploaded. XXX XXX Statement attached. | Client provided Statement - Resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/08/2026 | C A |
| XXX | XXXXX | 304902541 | finding-2962 | 12/30/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2025 | A |
| XXX | XXXXX | 304902541 | finding-3352 | 12/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2025 | A |
| XXX | XXXXX | 304902541 | FPRO8998 | 12/30/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2025 | A |
| XXX | XXXXX | 304902510 | finding-3652 | 12/19/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he 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 XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit violation is due to the decrease in the Lender Credits on the LE dated XXX and then again on CD XX/XX/XXXX and the file is missing the COC explaining the reason for the decrease. Please provide a Valid COC or Cure Package | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/19/2025 | C A |
| XXX | XXXXX | 304902510 | finding-3634 | 12/19/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required Refund in the amount of $XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in the on the Final CD dated XX/XX/XXXX and the file is missing the COC explaining the reason for the increase. Please provide a Valid COC or Cure Package | What fee increased? | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/19/2025 | C A |
| XXX | XXXXX | 304902510 | finding-3352 | 12/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Donwgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Donwgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/19/2025 | A |
| XXX | XXXXX | 304902510 | FCRE8999 | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304902510 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304902493 | finding-3352 | 11/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXXXX | 304902493 | FCRE8999 | 11/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXXXX | 304902493 | FPRO8998 | 11/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | A |
| XXX | XXXXX | 304902477 | FCRE1161 | 12/12/2025 | Credit | Missing Doc | Flood Certificate Missing | Missing Flood Certificate Please provide the Flood Certificate. | Document Uploaded. | Flood Certificate is fully present; Client provided Flood Cert | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | D A |
| XXX | XXXXX | 304902477 | finding-3352 | 12/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304902477 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304902474 | FCOM8997 | 12/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902474 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902474 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902456 | finding-3352 | 12/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304902456 | FCRE8999 | 12/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304902456 | FPRO8998 | 12/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304902448 | finding-3352 | 12/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304902448 | FCRE8999 | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304902448 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304902444 | finding-3352 | 12/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902444 | FCRE8999 | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902444 | FPRO8998 | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304902440 | finding-3352 | 12/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304902440 | finding-2623 | 12/09/2025 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304902440 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304902440 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304902436 | FCRE1193 | 12/09/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Max DTI is XXX% DTI after addition of school tax for subject, in addition, REO calculated income lower using XXX rent. DTI increased to XXX%. | Hi there! Quick Question, UW wanted to ask why the lower amount of rent was used, XXX instead of XXX the lease agreements and receipt of XXX rent was provided - Thx! | Corrected rental income - Initial uw used only rental from one floor. Two floors rented by same tenant. Lender correct. Lender however did not used correct annual taxes hence why new DTI is outside of lender DTI. DTI remains within guides however. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Client Stated, "Hi there! Quick Question, UW wanted to ask why the lower amount of rent was used, XXX instead of XXX the lease agreements and receipt of XXX rent was provided" Under review. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | C A |
| XXX | XXXXX | 304902436 | finding-3352 | 12/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902436 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304902407 | FCOM8997 | 11/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304902407 | FCRE8999 | 11/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304902407 | FPRO8998 | 11/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2025 | A |
| XXX | XXXXX | 304902400 | finding-3352 | 11/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304902400 | FPRO8998 | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304902400 | FCRE8999 | 11/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304902400 | FCRE1440 | 11/25/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Per guidelines, a non-permanent resident alien (ITINs) with no Housing History or living rent-free are not allowed if FTHB. The Borrower is a First Time Home Buyer with no housing history provided. The file contains a letter of explanation indicating the Borrower lived rent free for over XXX years. The file also contains a lender exception approved to allow ITIN First Time Home Buyer living rent free and payment shock exceeding XXX% The Lender provided compensating factors of; DTI under XXX% residual income is greater than XXX FICO is XXX points above XXX and reserves are greater than XXX months. | Housing History Does Not Meet Guideline Requirements Per guidelines, a non-permanent resident alien (ITINs) with no Housing History or living rent-free are not allowed if FTHB. The Borrower is a First Time Home Buyer with no housing history provided. The file contains a letter of explanation indicating the Borrower lived rent free for over XXX years. The file also contains a lender exception approved to allow ITIN First Time Home Buyer living rent free and payment shock exceeding XXX% The Lender provided compensating factors of; DTI under XXX% residual income is greater than XXX FICO is XXX points above XXX and reserves are greater than XXX months. | Housing History Does Not Meet Guideline Requirements Per guidelines, a non-permanent resident alien (ITINs) with no Housing History or living rent-free are not allowed if FTHB. The Borrower is a First Time Home Buyer with no housing history provided. The file contains a letter of explanation indicating the Borrower lived rent free for over XXX years. The file also contains a lender exception approved to allow ITIN First Time Home Buyer living rent free and payment shock exceeding XXX% The Lender provided compensating factors of; DTI under XXX% residual income is greater than XXX FICO is XXX points above XXX and reserves are greater than XXX months. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 304902385 | FCRE2335 | 12/12/2025 | Credit | Eligibility | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX Lender loan approval is missing from the file to validate all final loan terms one of which is the DCSR ratio. Per Guidelines the lowest DSCR is XX/XX/XXXX | Document Uploaded. | Qualifying DSCR meets Guidelines; Client sent approval reflecting XX/XX/XXXX DSCR. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 80% | Resolved | 12/12/2025 | C A |
| XXX | XXXXX | 304902385 | FCOM8997 | 12/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 80% | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304902385 | FPRO8998 | 12/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 80% | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 305037812 | FPRO8998 | 02/05/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2026 | A |
| XXX | XXXXX | 305037812 | FCRE1195 | 01/29/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 90% exceeds Guideline CLTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum CLTV for a XXX is XXX% | Document Uploaded. exception attached. | Exception Approval for 5% CLTV exception. Resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | C A |
| XXX | XXXXX | 305037812 | FCRE1196 | 01/29/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 90% exceeds Guideline HCLTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum HCLTV for a XXX is XXX% | Document Uploaded. exception attached | Exception Approval for 5% CLTV exception. Resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | C A |
| XXX | XXXXX | 305037812 | FCRE1194 | 01/29/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum LTV for a XXX is XXX% | Document Uploaded. Exception for LTV | Exception Approval for 5% CLTV exception. Resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | C A |
| XXX | XXXXX | 305037812 | FCRE1195 | 01/29/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 90% exceeds Guideline CLTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum CLTV for a XXX is XXX% | Document Uploaded. Exception attached | Audited CLTV of 90% exceeds Guideline CLTV of 85% Exception Approval for 5% CLTV exception. Resolved. ; Audited CLTV of 90% exceeds Guideline CLTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum CLTV for a XXX is XXX%.; Exception Approval for 5% CLTV exception. Resolved. ; Audited CLTV of 90% exceeds Guideline CLTV of 85% Exception Approval for 5% CLTV exception. Resolved. ; Audited CLTV of 90% exceeds Guideline CLTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum CLTV for a XXX is XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | C A |
| XXX | XXXXX | 305037812 | FCRE1196 | 01/29/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 90% exceeds Guideline HCLTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum HCLTV for a XXX is XXX% | Document Uploaded. Exception attached | Audited HLTV of 90% exceeds Guideline HCLTV of 85% Exception Approval for 5% CLTV exception. Resolved. ; Audited HLTV of 90% exceeds Guideline HCLTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum HCLTV for a XXX is XXX%.; Audited HLTV of 90% exceeds Guideline HCLTV of 85% Exception Approval for 5% CLTV exception. Resolved. ; Audited HLTV of 90% exceeds Guideline HCLTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum HCLTV for a XXX is XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | C A |
| XXX | XXXXX | 305037812 | FCRE1194 | 01/29/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum LTV for a XXX is XXX% | Document Uploaded. exception attached. | Audited LTV of 90% exceeds Guideline LTV of 85% Exception Approval for 5% CLTV exception. Resolved. ; Audited LTV of 90% exceeds Guideline LTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum LTV for a XXX is XXX%.; Audited LTV of 90% exceeds Guideline LTV of 85% Exception Approval for 5% CLTV exception. Resolved. ; Audited LTV of 90% exceeds Guideline LTV of 85% The subject property is a XXX. Per the Lender Matrix, the maximum LTV for a XXX is XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | C A |
| XXX | XXXXX | 305037812 | finding-2962 | 01/26/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A |
| XXX | XXXXX | 305037812 | finding-3352 | 01/26/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A |
| XXX | XXXXX | 305037794 | FCOM8997 | 01/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2026 | A |
| XXX | XXXXX | 305037794 | FCRE8999 | 01/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2026 | A |
| XXX | XXXXX | 305037794 | FPRO8998 | 01/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2026 | A |
| XXX | XXXXX | 305037787 | finding-3634 | 01/29/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower or Valid COC. The Zero tolerance violation is due to the addition of the Discount Points fee on the LE dated XX/XX/XXXX without valid COC. There is a COC which confirms the addition of the discount points; however, the change date is XX/XX/XXXX. Change not re-disclosed within XXX business days. | Document Uploaded. attached COC. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | C A |
| XXX | XXXXX | 305037787 | FCRE9995 | 01/28/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The Borrower was required to have three months reserves or $XXX. The Borrower provided only XXX in verified assets, as a result was short $XXX. | Document Uploaded. Cash out can be used to cover the reserves. XXX back to borrower at closing, please see final cd attached. | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; CD showing cash to borrower provided. Funds to be used for reserves. ; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The Borrower was required to have three months reserves or $XXX. The Borrower provided only XXX in verified assets, as a result was short $XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2026 | C A |
| XXX | XXXXX | 305037787 | FCRE1198 | 01/28/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) The Borrower was required to have three months reserves or $XXX. The Borrower provided only XXX in verified assets, as a result the Borrower was short $XXX. | Document Uploaded. Cash out can be used to cover the reserves and final CD shows bwr got XXX back. see cd attached and please clear. | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) The Borrower was required to have three months reserves or $XXX. The Borrower provided only XXX in verified assets, as a result the Borrower was short $XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2026 | C A |
| XXX | XXXXX | 305037787 | FPRO8998 | 01/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037781 | finding-3352 | 01/23/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML complaint This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML complaint This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037781 | FPRO8998 | 01/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037781 | FCRE8999 | 01/23/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037777 | FCOM8997 | 01/28/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.95% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.95% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | A |
| XXX | XXXXX | 305037777 | FCRE8999 | 01/28/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.95% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.95% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | A |
| XXX | XXXXX | 305037777 | FPRO8998 | 01/28/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.95% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.95% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | A |
| XXX | XXXXX | 305037775 | FCRE9995 | 01/28/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The Borrower was required to have three months reserves or $XXX. The Borrower provided only XXX in verified assets, after closing costs. As a result the Borrower was short $XXX. | Document Uploaded. attached are screenshots that verify the funds used for this transaction and confirm they match the HUD. The borrower provided the XXX EMD on XX/XX/XXXX and contributed an additional XXX toward closing costs, in addition to receiving a gift of $XXX. There were no remaining borrower requirements for funds to close. Furthermore, the most recent account balance used for this transaction reflects a post-closing residual of XXX as of XX/XX/XXXX, which exceeds the required three months of reserves ($XXX). Based on the documentation in the file, there is no indication of any shortage of funds. | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Client provided screenshots and explanation. ; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The Borrower was required to have three months reserves or $XXX. The Borrower provided only XXX in verified assets, after closing costs. As a result the Borrower was short $XXX. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2026 | C A |
| XXX | XXXXX | 305037775 | FCRE1198 | 01/28/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The Borrower was required to have three months reserves or $XXX. The Borrower provided only XXX in verified assets, after closing costs. As a result the Borrower was short $XXX. | Document Uploaded. attached are screenshots that verify the funds used for this transaction and confirm they match the HUD. The borrower provided the XXX EMD on XX/XX/XXXX and contributed an additional XXX toward closing costs, in addition to receiving a gift of $XXX. There were no remaining borrower requirements for funds to close. Furthermore, the most recent account balance used for this transaction reflects a post-closing residual of XXX as of XX/XX/XXXX, which exceeds the required three months of reserves ($XXX). Based on the documentation in the file, there is no indication of any shortage of funds. | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The Borrower was required to have three months reserves or $XXX. The Borrower provided only XXX in verified assets, after closing costs. As a result the Borrower was short $XXX. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2026 | C A |
| XXX | XXXXX | 305037775 | finding-2962 | 01/23/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037775 | finding-3352 | 01/23/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037775 | FPRO8998 | 01/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037736 | FCRE8999 | 01/23/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037736 | FPRO8998 | 01/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037736 | finding-3352 | 01/23/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037731 | FCOM8997 | 01/16/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/16/2026 | A |
| XXX | XXXXX | 305037731 | FCRE8999 | 01/16/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/16/2026 | A |
| XXX | XXXXX | 305037731 | FPRO8998 | 01/16/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/16/2026 | A |
| XXX | XXXXX | 305037725 | FCOM8997 | 01/29/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037725 | FPRO8998 | 01/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037725 | FCRE8999 | 01/29/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037720 | finding-3352 | 01/23/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037720 | finding-2962 | 01/23/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037720 | FCRE8999 | 01/23/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037720 | FPRO8998 | 01/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037717 | FCRE5770 | 01/26/2026 | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Loan file missing the credit report | Document Uploaded. attached | Borrower 1 Credit Report is not missing.; CR Attached; Borrower 1 Credit Report is Missing. Loan file missing the credit report | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/26/2026 | D A |
| XXX | XXXXX | 305037717 | FCOM8997 | 01/23/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037717 | FPRO8998 | 01/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037705 | finding-3542 | 01/21/2026 | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised 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 hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. Exception tied to TILA FC exceptions | Document Uploaded. | Notary fee can be excluded from finance charges; exception resolved; Notary fee can be excluded from finance charges; exception resolved |  | Rescinded |  | C A |
| XXX | XXXXX | 305037705 | finding-651 | 01/21/2026 | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Cure required: Cure of XXX required for underdisclosure of finance charges. The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The Verification of Employment fee of XXX was not included in the finance charge calculations. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Document Uploaded. | Notary fee can be excluded from finance charges; exception resolved; Notary fee can be excluded from finance charges; exception resolved |  | Rescinded |  | C A |
| XXX | XXXXX | 305037705 | FCRE8999 | 01/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2026 | A |
| XXX | XXXXX | 305037705 | FPRO8998 | 01/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2026 | A |
| XXX | XXXXX | 305037700 | FCOM8997 | 01/29/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037700 | FCRE8999 | 01/29/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037700 | FPRO8998 | 01/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037689 | FCRE7347 | 01/27/2026 | Credit | Missing Doc | Missing Lease Agreement | The Final 1003 reflects that the departing address has rental income of XXX per month. The Lease was not found in the loan file. | Document Uploaded. | Comp rent schedule and etc evidence support XXX | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Resolved | 01/27/2026 | D A |
| XXX | XXXXX | 305037689 | FCRE7347 | 01/27/2026 | Credit | Missing Doc | Missing Lease Agreement | The Final 1003 reflects that the departing address has rental income of XXX per month. The Lease was not found in the loan file. | Document Uploaded. | Comp rent schedule and etc evidence support XXX | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Resolved | 01/27/2026 | D A |
| XXX | XXXXX | 305037689 | FCOM8997 | 01/23/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037689 | FPRO8998 | 01/23/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037676 | FCRE1316 | 01/29/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Final 1003 reflects that the Borrower is self employed. The Lender Guideline States: Verify the existence of the business, for positive income used in income qualifying, within XXX-days of the Note date and ensure the business is active with the following; a phone listing and/or business address using directory assistance, internet search, for self-employed independent contractors, use either a letter from a third party company currently utilizing their service(s) or a business license procured through the internet reflecting active and not expired. The required documentation was not found in the loan file. | Document Uploaded. | Borrower 1 3rd Party VOE Prior to Close Was Provided; Internet search provided. Dated XX/XX/XXXX. Resolved. ; Borrower 1 3rd Party VOE Prior to Close Missing The Final 1003 reflects that the Borrower is self employed. The Lender Guideline States: Verify the existence of the business, for positive income used in income qualifying, within XXX-days of the Note date and ensure the business is active with the following; a phone listing and/or business address using directory assistance, internet search, for self-employed independent contractors, use either a letter from a third party company currently utilizing their service(s) or a business license procured through the internet reflecting active and not expired. The required documentation was not found in the loan file. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | D A |
| XXX | XXXXX | 305037676 | FCRE1440 | 01/29/2026 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender Guideline requires a XXX month mortgage history. The loan file includes a Statement covering XXX month worth of mortgage history. | Document Uploaded. uploaded mortgage history LOE | Housing History Meets Guideline Requirements; Client provided Property Detail Report and Client Explanation for housing history. Resolved. ; Housing History Does Not Meet Guideline Requirements | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | C A |
| XXX | XXXXX | 305037676 | FPRO8998 | 01/29/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037676 | finding-3352 | 01/29/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | please clear | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037676 | finding-2962 | 01/29/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | please clear | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037669 | FCOM8997 | 01/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2026 | A |
| XXX | XXXXX | 305037669 | FCRE8999 | 01/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2026 | A |
| XXX | XXXXX | 305037669 | FPRO8998 | 01/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2026 | A |
| XXX | XXXXX | 305037666 | FCRE1146 | 01/27/2026 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present. The Preliminary Title Report does not include the name of the Borrowers. | Document Uploaded. attached is prelim. Please see page XXX under Proposed Loan amount, it then lists the buyers: XXX | Title Document is fully Present.; Title provided. |  | Resolved | 01/27/2026 | D A |
| XXX | XXXXX | 305037666 | FCOM8997 | 01/23/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared |  | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037666 | FPRO8998 | 01/23/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared |  | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305037658 | finding-2962 | 01/26/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX Financial Code Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A |
| XXX | XXXXX | 305037658 | finding-3352 | 01/26/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A |
| XXX | XXXXX | 305037658 | FCRE8999 | 01/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A |
| XXX | XXXXX | 305037658 | FPRO8998 | 01/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A |
| XXX | XXXXX | 304495514 | FCOM8997 | 02/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304495514 | FPRO8998 | 02/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304495514 | FCRE8999 | 02/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304495480 | FCRE1199 | 02/06/2025 | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX Maximum loan amount for a First Time Home Buyer is XXX per guidelines dated XX/XX/XXXX. Loan amount on subject Note is XXX Loan file contained a lender approved exception for a loan amount of XXX with compensating factors of: XXX months reserves greater than the program requirement, FICO above the minimum by XXX points or higher, DTI greater than XXX% below program requirement and high discretionary income. | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX Maximum loan amount for a First Time Home Buyer is XXX per guidelines dated XX/XX/XXXX. Loan amount on subject Note is XXX Loan file contained a lender approved exception for a loan amount of XXX with compensating factors of: XXX months reserves greater than the program requirement, FICO above the minimum by XXX points or higher, DTI greater than XXX% below program requirement and high discretionary income. | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX Maximum loan amount for a First Time Home Buyer is XXX per guidelines dated XX/XX/XXXX. Loan amount on subject Note is XXX Loan file contained a lender approved exception for a loan amount of XXX with compensating factors of: XXX months reserves greater than the program requirement, FICO above the minimum by XXX points or higher, DTI greater than XXX% below program requirement and high discretionary income. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304495480 | FCRE1728 | 02/06/2025 | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Missing XXX Rent schedule for property on XXX. Lender utilized rents received on property and no rent verification is in file. | Document Uploaded. | ; XXX Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | D A |
| XXX | XXXXX | 304495480 | FCOM8997 | 02/02/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304495480 | FPRO8998 | 02/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304757253 | FCOM9186 | 08/18/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. ; Document Uploaded. | Evidence of eConsent is provided.; The earliest e-signed disclosure is dated XX/XX/XXXX, provide an electronic consent dated on or prior to that date | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.9% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.9% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/18/2025 | B A |
| XXX | XXXXX | 304757253 | FCRE1437 | 08/12/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Exception Request: exception to use the guides at time of UW vs. time of lock approved on page XXX Compensating factors: High discretionary income; XXX years in current job; VOR XXX in XXX Months | Income and Employment Do Not Meet Guidelines Exception Request: exception to use the guides at time of UW vs. time of lock approved on page XXX Compensating factors: High discretionary income; XXX years in current job; VOR XXX in XXX Months |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.9% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.9% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304757253 | FCRE8999 | 08/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.9% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.9% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/12/2025 | A |
| XXX | XXXXX | 304757253 | FPRO8998 | 08/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.9% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.9% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/12/2025 | A |
| XXX | XXXXX | 304757215 | FCOM9186 | 07/30/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide evidence the e-Signed/Consent was received on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/30/2025 | B A |
| XXX | XXXXX | 304757215 | finding-3352 | 07/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/28/2025 | C A |
| XXX | XXXXX | 304757215 | FPRO8998 | 07/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/28/2025 | A |
| XXX | XXXXX | 304757215 | FCRE8999 | 07/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/28/2025 | A |
| XXX | XXXXX | 304828021 | FCOM9186 | 12/12/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | Evidence of eConsent is provided.; E-consent received | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | B A |
| XXX | XXXXX | 304828021 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304828021 | FPRO8998 | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304866933 | FCOM9186 | 10/28/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/28/2025 | B A |
| XXX | XXXXX | 304866933 | FCRE7497 | 10/28/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Also unsure of the issue. The exception was approved and the attributes for approval are all valid. |  | LOE stating no HOA, other property expenses confirmed. Condition Resolved.; The Final 1003 indicates that the Borrower's previous primary residence on XXX has additional costs of XXX per month not included in the monthly mortgage payment. Per LOX in file, this property has no HOA dues, and the mortgage Statement indicates the property taxes and the HOI are escrowed. File is missing documentation to verify this additional monthly cost to be included in the PITIA.; Mortgage Statement reflects escrowed, LOX indicates no HOA. Per lender, the exception was approved and the attributes for approval are all valid. DTI is at XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/28/2025 | D A |
| XXX | XXXXX | 304866933 | FCRE1197 | 10/28/2025 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX The subject loan amount is XXX with purchase price of XXX resulting in LTV of 83.33%. In order to accommodate this loan amount and LTV, the Flex XXX matrix dated XXX requires a minimum credit score of XXX The Lender has provided an Exception citing compensating factors: DTI > XXX% below program requirements; High Discretionary Income; XXX years in Current Job. | Audited FICO of XXX is less than Guideline FICO of XXX The subject loan amount is XXX with purchase price of XXX resulting in LTV of 83.33%. In order to accommodate this loan amount and LTV, the Flex XXX matrix dated XXX requires a minimum credit score of XXX The Lender has provided an Exception citing compensating factors: DTI > XXX% below program requirements; High Discretionary Income; XXX years in Current Job. | Audited FICO of XXX is less than Guideline FICO of XXX The subject loan amount is XXX with purchase price of XXX resulting in LTV of 83.33%. In order to accommodate this loan amount and LTV, the Flex XXX matrix dated XXX requires a minimum credit score of XXX The Lender has provided an Exception citing compensating factors: DTI > XXX% below program requirements; High Discretionary Income; XXX years in Current Job. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304866933 | FCRE1304 | 10/23/2025 | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Income 1 Income Trend is Decreasing The Borrower is XXX% owner of his company. His K-XXX for XXX shows a loss for XXX vs XXX K-XXX showed positive income of XXX Despite this, the Borrower actually showed higher W-2 wages of XXX in XXX over XXX for XXX File contains an LOX from his CPA indicating the decline was due to the wildfires and that the company is on track to hit gross revenue levels of XXX YTD P&L provided. Borrower's YTD paystub supports his average W-2 income. | Unsure of the issue here. While the business may not have made enough business income to turn a sizeable business income profit, it clearly earned enough revenue to continue to pay the borrower his salary per the numbers on the filed returns. We hit the borrower with the full business income LOSS for 'XXX and did not consider any other positive funds from the prior year. This is the most prudent and conservative approach across the industry. We don't question write offs or losses a business chooses to claim from an accounting perspective, that allows them to make payroll in lieu of returning a larger business profit. This is an overreach to police business accounting practices and nothing in our policy requires us to analyze or question. | LOX from PA provides an explanation for decline in income. ; Income 1 Income Trend is Resolved |  | Rescinded |  | A |
| XXX | XXXXX | 304866933 | FPRO8998 | 10/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/16/2025 | A |
| XXX | XXXXX | 304866925 | FCOM9186 | 11/14/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | Evidence of eConsent is provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | B A |
| XXX | XXXXX | 304866925 | FCRE9995 | 11/14/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The most recent asset Statements verify reserves in the amount of XXX required reserves based on XXX months are XXX The assets are insufficient. | Document Uploaded. ; Document Uploaded. ; Borrower verified funds plus the gift = XXX Funds to close plus reserves = XXX Borrower has more than sufficient funds for closing plus reserves. ; Document Uploaded. ; Document Uploaded. | Received approved lender exception request; Requesting exception for XXX mos reserves. Borrower has a great income stream with very solid residual income with low DTI. Overall low risk borrower with stable recurring income. LG Exception approved for short reserves. Low DTI, high discretionary income. Compensating factors; DTI>XXX% below program requirement. High discretionary income. ; Lender exception received does not reflect a decision by NQMF. Decision section of the Exception form is blank. Condition remains.; A re-review of the final CD indicates cash to close of XXX was calculated after gift funds credit of XXX was applied. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains.; Gift letters and evidence of gift receipts received. The final CD indicate the gift funds were applied – Other credits $XXX. The final cash to close on the CD is $XXX. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains. ; Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304866925 | FCRE1198 | 11/14/2025 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The file verifies reserves covering XX/XX/XXXX months, the required number of Reserves per the Guidelines is XXX Months. Provided funds are insufficient to cover the reserves. | Document Uploaded. ; Document Uploaded. ; Borrower verified funds plus the gift = XXX Funds to close plus reserves = XXX Borrower has more than sufficient funds for closing plus reserves. ; Document Uploaded. ; Document Uploaded. | Received approved lender exception request; Requesting exception for XXX mos reserves. Borrower has a great income stream with very solid residual income with low DTI. Overall low risk borrower with stable recurring income. LG Exception approved for short reserves. Low DTI, high discretionary income. Compensating factors; DTI>XXX% below program requirement. High discretionary income. ; Lender exception received does not reflect a decision by NQMF. Decision section of the Exception form is blank. Condition remains.; A re-review of the final CD indicates cash to close of XXX was calculated after gift funds credit of XXX was applied. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains.; Gift letters and evidence of gift receipts received. The final CD indicate the gift funds were applied – Other credits $XXX. The final cash to close on the CD is $XXX. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains. ; Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304866925 | finding-3352 | 10/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/24/2025 | A |
| XXX | XXXXX | 304866925 | FPRO8998 | 10/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/24/2025 | A |
| XXX | XXXXX | 304495397 | FCOM5135 | 03/06/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/06/2025 | B A |
| XXX | XXXXX | 304495397 | FCRE8999 | 02/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304495397 | FPRO8998 | 02/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304495366 | finding-3352 | 03/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/14/2025 | A |
| XXX | XXXXX | 304495366 | FPRO8998 | 03/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/14/2025 | A |
| XXX | XXXXX | 304495366 | FCRE8999 | 03/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/14/2025 | A |
| XXX | XXXXX | 304866912 | FCRE1440 | 11/05/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Provide verification of mortgage payments for XXX with balance of XXX attached to departure residence. Credit report does not reflect any mortgage history. XXX guidelines require housing history reflect XXX. | Document Uploaded. ; Document Uploaded. | Housing History Meets Guideline Requirements; An executed HELOC Note, and first payment letter provided indicates agreement date of XX/XX/XXXX with a first payment date of XX/XX/XXXX. Housing history lates meets housing history restrictions per lender matrix.; Mortgage update provided, XXX day lates, last lates XX/XX/XXXX, XX/XX/XXXX. New Heloc documents provided, however not reporting on credit. Lates still exceed GL requirement of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2025 | C A |
| XXX | XXXXX | 304866912 | FCRE1253 | 11/05/2025 | Credit | Eligibility | Missing Property Tax Cert | Missing Property Tax Cert Tax cert provided reflects a lower monthly payment of XXX (annual tax of $XXX), however lender used XXX a month. Missing documentation verifying property taxes monthly payment is $XXX. | Document Uploaded. | Property Tax Cert Provided; Processor cert for taxes provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2025 | C A |
| XXX | XXXXX | 304866912 | FCRE1479 | 11/05/2025 | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Personal checking account with XXX reflects a large deposit on XX/XX/XXXX for XXX that was not sourced. Provide documentation for large deposit. | Document Uploaded. ; Document Uploaded. | Asset Record XXX Meets G/L Requirements; An executed HELOC Note, and first payment letter was provided. ; Asset Record XXX Does Not Meet G/L Requirements. HELOC note provided, no confirmation of closing date, first payment, balance drawn. ; Documents provided, XXX comments reflect XXX on departing residence. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2025 | C A |
| XXX | XXXXX | 304866912 | FCRE1483 | 11/05/2025 | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements Borrowers received XXX in gift funds, however missing evidence of donor's funds. Guidelines require gift to be verified via donor's check and the borrower's deposit slip; donor's check to the closing agent; evidence of wire transfer from donor to borrower or settlement Statement showing receipt of the donor's check. | Document Uploaded. | Asset 5 Meets Guideline Requirements Or Not Applicable; Asset 5 - gift letter and wire confirmed not disclosed by title for privacy reasons. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2025 | C A |
| XXX | XXXXX | 304866912 | finding-3634 | 10/20/2025 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $ lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required Refund in the amount of $XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in the Discount Points on the Initial CD dated XX/XX/XXXX and no COC was found in the file explaining the reason for why the fee increased. Please provide a Valid COC or Cure Package | Document Uploaded. | Valid COC with applicable LE provided; Exception resolved; Valid COC with applicable LE provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/20/2025 | C A |
| XXX | XXXXX | 304866912 | finding-3352 | 10/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/20/2025 | A |
| XXX | XXXXX | 304866912 | FPRO8998 | 09/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/29/2025 | A |
| XXX | XXXXX | 304866912 | FCRE1197 | 09/29/2025 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Lender exception provided for FICO score is XXX points lower than the guideline minimum of XXX Compensating factors: XXX months reserves greater than the program requirement; DTI > XXX% below program requirement; High Discrepancy income; and XXX year in current job. | Audited FICO of XXX is less than Guideline FICO of XXX Lender exception provided for FICO score is XXX points lower than the guideline minimum of XXX Compensating factors: XXX months reserves greater than the program requirement; DTI > XXX% below program requirement; High Discrepancy income; and XXX year in current job. | Audited FICO of XXX is less than Guideline FICO of XXX Lender exception provided for FICO score is XXX points lower than the guideline minimum of XXX Compensating factors: XXX months reserves greater than the program requirement; DTI > XXX% below program requirement; High Discrepancy income; and XXX year in current job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 304846059 | FCRE5782 | 10/27/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a gap credit report dated within XXX days of the note date. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; An undisclosed debt monitoring report dated within XXX days of closing was provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/27/2025 | D A |
| XXX | XXXXX | 304846059 | FCRE1437 | 10/27/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The loan was locked with a Doc type of XXX Mos P&L and XXX mos bank Statements. The file contains a XXX months P&L and XXX mos bank Statements, | Document Uploaded. | Income and Employment Meet Guidelines; An updated rate lock confirmation with the doc type as XXX months P&L and XXX mos bank Statements was received. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/27/2025 | C A |
| XXX | XXXXX | 304846059 | FCOM5135 | 10/27/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Missing Document-Affiliated Business Disclosure | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/27/2025 | B A |
| XXX | XXXXX | 304846059 | finding-2559 | 10/09/2025 | Compliance | Points & Fees | NY Subprime Home Loan Test | This loan failed the XXX Subprime Home Loan Test. (XXX SB XXX Section XXX(c) sing the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation hile the XXX Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. A list of XXX approved housing counselors found on page #XXX-XXX. Legend located on Mortgage page #XXX and page #XXX No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/09/2025 | A |
| XXX | XXXXX | 304846059 | finding-3352 | 10/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/09/2025 | A |
| XXX | XXXXX | 304846059 | FPRO8998 | 10/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/09/2025 | A |
| XXX | XXXXX | 304495327 | finding-3352 | 03/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/03/2025 | A |
| XXX | XXXXX | 304495327 | finding-3532 | 03/03/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation required: Please remit the Initial and any subsequent CD's for testing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/03/2025 | C A |
| XXX | XXXXX | 304495327 | finding-3634 | 03/03/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Documentation required: Please remit the Initial and any subsequent CD's for testing. 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | uploaded | initial CD and cure provided on final CD; Exception resolved; initial CD and cure provided on final CD; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/03/2025 | C A |
| XXX | XXXXX | 304495327 | FPRO8998 | 02/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304495327 | FCRE1440 | 02/27/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Lender Exception page XXX Private Individual Verification of rent verifies the rental history, but the LOE in the file indicates that all payments with the exception of February XXX have been made in cash. A lender exception for XXX months cancelled checks has been granted. Compensating factors include: DTI > than XXX% below program requirements and XXX years in current job. | Housing History Does Not Meet Guideline Requirements Lender Exception page XXX Private Individual Verification of rent verifies the rental history, but the LOE in the file indicates that all payments with the exception of February XXX have been made in cash. A lender exception for XXX months cancelled checks has been granted. Compensating factors include: DTI > than XXX% below program requirements and XXX years in current job. | Housing History Does Not Meet Guideline Requirements Lender Exception page XXX Private Individual Verification of rent verifies the rental history, but the LOE in the file indicates that all payments with the exception of February XXX have been made in cash. A lender exception for XXX months cancelled checks has been granted. Compensating factors include: DTI > than XXX% below program requirements and XXX years in current job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 304866839 | FCRE8999 | 10/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/29/2025 | A |
| XXX | XXXXX | 304866839 | FPRO8998 | 10/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/29/2025 | A |
| XXX | XXXXX | 304866839 | FCOM8997 | 10/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/29/2025 | A |
| XXX | XXXXX | 304866837 | FCRE9785 | 11/17/2025 | Credit | Missing Doc | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing purchase contract addendum listing seller concessions of XXX to match final CD. | Document Uploaded. ; Document Uploaded. | Purchase Contract Doc is complete.; Explanation from lender received. According to the purchase contract the seller contribution can be up to XXX Seller contribution of XXX is acceptable. ; Received purchase contract, missing purchase contract addendum with seller concessions of XXX per the final CD. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/17/2025 | B A |
| XXX | XXXXX | 304866837 | finding-3532 | 11/11/2025 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required: Provide evidence that the initial CD was received by the borrowers XXX business days prior to consummation, XX/XX/XXXX, may cure the violation. | Document Uploaded. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | C A |
| XXX | XXXXX | 304866837 | FPRO8998 | 11/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/05/2025 | A |
| XXX | XXXXX | 305023984 | FCRE1248 | 01/05/2026 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Per Gift of Equity Gift letter, the seller is the brother of the borrower | Per Non-qm v12 guides, section XX/XX/XXXX page XXX Sales or transfers between members of the same family, transaction may not be due to any adverse circumstances are eligible transaction provided transaction is properly documented. | Client States Non-qm v12 guides, section XX/XX/XXXX page XXX Sales or transfers between members of the same family, transaction may not be due to any adverse circumstances are eligible transaction provided transaction is properly documented. Agree. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/05/2026 | C A |
| XXX | XXXXX | 305023984 | FCRE1316 | 01/02/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Verification that the business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase is required with one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. | Document Uploaded. website showing active. verbal VOE. | Client provided VVOE and Website Updated XX/XX/XXXX for XXX. Cleared. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/02/2026 | D A |
| XXX | XXXXX | 305023984 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305023984 | FCOM8997 | 12/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305030766 | FCOM8997 | 01/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305030766 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305030766 | FCRE1201 | 01/12/2026 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. Business fraud report | Third Party Fraud Report is provided | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305030766 | FCOM1221 | 01/12/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing a true and certified stamped copy of the original recorded security instrument | Document Uploaded. Stamped security deed | The Deed of Trust is Present and Complete; Certified True copy of deed. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305029598 | FCRE8999 | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.73% is less than Guideline LTV of 80% | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305029598 | FCOM8997 | 01/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.73% is less than Guideline LTV of 80% | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305029598 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.73% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.73% is less than Guideline LTV of 80% | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304896362 | FCRE7497 | 12/11/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of taxes, insurance, and/or HOA fees for non-subject property XXX XXX | Uploaded to bulletin board; Document Uploaded. Taxes and insurance | ; Property taxes and HOI provided XXX; When trying to open, received an error message stating 'Failed to load PDF document'.; Document corrupt and unable to open, Please re download. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2025 | D A |
| XXX | XXXXX | 304896362 | finding-3352 | 12/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets appraisal and escrow requirements. | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets appraisal and escrow requirements. | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304896362 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML Compliant; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 305043895 | FCRE0377 | 01/26/2026 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The Hazard Insurance Dec Page shows Dwelling coverage of XXX plus additional dwelling coverage of XXX and XXX% Ordinance. Loan amount is XXX and file contains no Replacement Cost Estimator. | Document Uploaded. per lender: Per Agent, this endorsement covers them more than required. | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; HOI LOE provided; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The Hazard Insurance Dec Page shows Dwelling coverage of XXX plus additional dwelling coverage of XXX and XXX% Ordinance. Loan amount is XXX and file contains no Replacement Cost Estimator. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | C A |
| XXX | XXXXX | 305043895 | FCOM3849 | 01/26/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Showing evidence the borrower received the appraisal at least XXX business days prior to consummation, XX/XX/XXXX, may cure the violation. | Document Uploaded. Evidence of delivery.; Document Uploaded. Borrower acknowledged receipt at closing. | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | B A |
| XXX | XXXXX | 305043895 | FCRE1437 | 01/26/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Borrower's income used to qualify consists of base and bonuses. The base used was YTD average of XXX (XXX mos with XX/XX/XXXX mos documented but still less than salary on paystubs). The bonus calculation is also based on a XX/XX/XXXX month average. Figures for XXX have not been provided or documented. XXX Non-QM Guidelines v12- Section XX/XX/XXXX require bonus income to have a minimum of two year history. | XXX allowing XX/XX/XXXX months of bonus income using XXX year average + YTD XXX | Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines The Borrower's income used to qualify consists of base and bonuses. The base used was YTD average of XXX (XXX mos with XX/XX/XXXX mos documented but still less than salary on paystubs). The bonus calculation is also based on a XX/XX/XXXX month average. Figures for XXX have not been provided or documented. XXX Non-QM Guidelines v12- Section XX/XX/XXXX require bonus income to have a minimum of two year history. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | C A |
| XXX | XXXXX | 305043895 | FPRO1245 | 01/26/2026 | Property | Appraisal | Appraisal is Expired | Primary Value Appraisal is Expired The appraisal must be completed within XXX days of closing. After XXX days an appraisal update can be utilized in lieu of a new appraisal but, in all cases, the original appraisal cannot exceed XXX days. Both appraisals are expired. | Document Uploaded. Field review and investor exception approval | Exception acknowledged for appraisals dated more than XXX days from closing with 1004D. Appraisal #XXX is dated XX/XX/XXXX, appraisal #XXX is dated XX/XX/XXXX - no decline in value, per 1004D. Additionally Field review added to support the value. Compensating factors include LTV and more than XXX years in line of work. Approved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 305043895 | finding-3634 | 01/25/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the appraisal fee, from $XXX to $XXX for appraisal fee XXX from $XXX to $XXX for appraisal recert and from $XXX to $XXX for appraisal recert XXX Violation can be cured by providing a valid reason for the change within XXX business days. | Document Uploaded. Updated COC with LE | Valid COC provided; excpetion resolved; Valid COC provided; excpetion resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/25/2026 | C A |
| XXX | XXXXX | 305043895 | finding-3635 | 01/25/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the mortgage recording fee. The change occurred on CD issued XX/XX/XXXX without a valid COC. Providing a reason for the change within XXX business days may cure the violation. | Document Uploaded. Cure documents | Cure package provided to the borrower; exception downgraded to a 2/B | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B A |
| XXX | XXXXX | 305043895 | FPRO8998 | 01/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 304893888 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.81% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.81% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893888 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.81% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.81% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893888 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.81% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.81% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 305013544 | FCRE1335 | 01/14/2026 | Credit | Missing Doc | Borrower 1 XXX Transcripts Missing | Borrower 1 XXX Transcripts Missing Provide two years (XX/XX/XXXX) XXX full tax transcripts for both borrowers. | Document Uploaded. transcripts | Borrower 1 XXX Transcripts Provided; Client provided XXX Transcript for B1 and B2 for XXX and XXX Cleared. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 305013544 | FCRE1365 | 01/14/2026 | Credit | Missing Doc | Borrower 2 XXX Transcripts Missing | Borrower 2 XXX Transcripts Missing Provide two years (XX/XX/XXXX) XXX full tax transcripts for both borrowers. | Document Uploaded. transcripts | Borrower 2 XXX Transcripts Provided or Not Applicable (Number of Borrowers equals XXX); Client provided XXX Transcript for B1 and B2 for XXX and XXX Cleared. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 305013544 | FCOM8997 | 12/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 305013544 | FPRO8998 | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 305013544 | FCRE8999 | 12/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 304893887 | FCRE5116 | 12/22/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | Document Uploaded. From Seller - Our payoff shows that its current for the December payment. Is there further information you are needing to show payment history? | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Provide updated mortgage history for Loan # XXX DLA XX/XX/XXXX within XXX days of the credit report date (XX/XX/XXXX). Payment history must reflect XXX measured from the credit report date. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.9% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.9% is less than Guideline CLTV of 80% | Resolved | 12/22/2025 | D A |
| XXX | XXXXX | 304893887 | FCRE8999 | 12/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Investor acknowledges condition. ; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.9% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.9% is less than Guideline CLTV of 80% | Resolved | 12/19/2025 | A |
| XXX | XXXXX | 304893887 | FPRO8998 | 12/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges condition. ; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.9% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.9% is less than Guideline CLTV of 80% | Resolved | 12/19/2025 | A |
| XXX | XXXXX | 304893887 | FCOM8997 | 12/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges condition. ; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.9% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.9% is less than Guideline CLTV of 80% | Resolved | 12/19/2025 | A |
| XXX | XXXXX | 304887757 | FCRE1202 | 01/08/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided The fraud report in file shows that the borrower's SSN (XXX) was used to obtain the report for the borrowing entity, XXX (entered as Borrower XXX). The report should have been run using the entity's Employer Identification Number (EIN). A separate fraud report for the business, submitted using the EIN, is required. | Document Uploaded. Fraud Report | Third Party Fraud Report is fully present; Client provided Fraud Report with B1, B2 and Entity ran with EIN. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/08/2026 | D A |
| XXX | XXXXX | 304887757 | FPRO8998 | 12/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges condition. ; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | A |
| XXX | XXXXX | 304887757 | FCOM8997 | 12/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges condition. ; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | A |
| XXX | XXXXX | 304889380 | FCRE9785 | 12/19/2025 | Credit | Missing Doc | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Provide executed purchase contract signed by all parties. | Document Uploaded. Signed COS | Purchase Contract Doc is complete.; Received copy of Purchase Contract. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | B A |
| XXX | XXXXX | 304889380 | FCRE1201 | 12/19/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide "entity" business fraud report report such as XXX Report or similar is required for the entity (XXX). | Document Uploaded. ; Document Uploaded. Individual Fraud Report was missing. Review and clear- Still Need Business Fraud Report. | Third Party Fraud Report is provided; ; Client provided XXX Report for XXX. Cleared.; XXX Report or similar is required for the entity (XXX). Individual report is clear.; Received Drive Score report. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | D A |
| XXX | XXXXX | 304889380 | FCRE2899 | 12/19/2025 | Credit | Title | Potential Ownership issues identified in file | Provide Articles of Organization, Operating Agreements, Tax Identification Number, Certificate of Good Standing, and other corporate documents needed to determine ownership percentage and authority to execute documents on behalf of the entity. | Document Uploaded. EIN and Articles of Org attached. Cert of Good standing not available/needed – entity is too new, formed XX/XX/XXXX XXX attached – no hits - entity is too new, formed XX/XX/XXXX | ; XXX provided, entity to new, no hits. Cert of good standing, entity too new. EIN and articles of Organization provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | C A |
| XXX | XXXXX | 304889380 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | Transaction meets BP guidelines. Transaction is a Purchase of an investment property. Transaction is exempt from TRID/QM. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304889380 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304889380 | FCRE1182 | 12/05/2025 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Approval/Underwriting Summary is missing in file. |  | ; Approval/Underwriting Summary is fully present |  | Rescinded |  | A |
| XXX | XXXXX | 304879080 | FCOM8997 | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304879080 | FPRO8998 | 12/09/2025 | Property | Data | 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. |  | Informational Only; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304879080 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 305031555 | FCRE7497 | 01/16/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide evidence of Homeowners Insurance with premium and mortgagee clause for property located at XXX | Uploaded to bulletin board; Document Uploaded. Blanket HOI policy; Document Uploaded. | Blanket policy provided. confirmed HOI; Unable to open Uploaded Document. Please re-upload. Countered. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.96% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.96% is less than Guideline LTV of 70% | Resolved | 01/16/2026 | D A |
| XXX | XXXXX | 305031555 | FPRO8998 | 01/05/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.96% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.96% is less than Guideline LTV of 70% | Resolved | 01/05/2026 | A |
| XXX | XXXXX | 305031555 | FCOM8997 | 01/05/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.96% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.96% is less than Guideline LTV of 70% | Resolved | 01/05/2026 | A |
| XXX | XXXXX | 304933491 | finding-4033 | 12/08/2025 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% 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 igher-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 XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304933491 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304933491 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304905082 | finding-4033 | 12/23/2025 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% 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 igher-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 XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. compliant | Please acknowledged HPQM is allowed for this loan transaction |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 304905082 | FCRE8999 | 12/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 304905082 | FPRO8998 | 12/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 305025793 | FCRE7497 | 01/22/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Several Statements in file do not list addresses of the properties, only owner mailing address. XXX XXX (missing hazard) XXX XXX XXX (missing hazard) XXX XXX XXX XX/XX/XXXX (missing hazard) XXX XXX XXX (missing hazard) XXX XXX XXX (missing hazard) XXX XXX XXX (missing hazard) XXX XXX XXX (missing hazard) XXX XXX XXX (missing hazard) | Document Uploaded. HOI; Document Uploaded. remaining dec pages; Document Uploaded. XXX pages for XXX and XXX; Document Uploaded. Hazard for XXX, and escrowed Statement for XXX; Document Uploaded. Lender's response: Can you please review the Statement for XXX as it shows that taxes and insurance are included. Do you need the actual insurance policies? | Client provided the last Hazard Policy needed for XXX XXX. Cleared.; Client provided HOI for XXX XXX. Still need XXX Hazard Policies - XXX XXX (missing hazard). Countered.; Provided Statement does clear XXX. Still missing Hazard for XXX properties: XXX XXX XXX (missing hazard) XXX XXX XXX XX/XX/XXXX (missing hazard) XXX XXX XXX (missing hazard) XXX XXX XXX (missing hazard) XXX XXX XXX (missing hazard) XXX XXX XXX (missing hazard) XXX XXX XXX (missing hazard). Countered. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.56% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/22/2026 | D A |
| XXX | XXXXX | 305025793 | FPRO8998 | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.56% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 305025793 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | Ran CE - BP loan in XXX is a limited scope review. Testing completed per client request. No Exceptions. The loan is in compliance with all applicable laws and regulations. | Ran CE - BP loan in XXX is a limited scope review. Testing completed per client request. No Exceptions. The loan is in compliance with all applicable laws and regulations. | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.56% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304897056 | FCOM8997 | 01/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304897056 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304897056 | FCRE0382 | 01/07/2026 | Credit | Data | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Borrower needs XXX to close ($XXX CTC + XXX EMD + XXX reserves) but only XXX has been verified ($XXX XXX #XXX as of XX/XX/XXXX + XXX EMD cleared XX/XX/XXXX). The shortage is a result of the lender including proceeds from another property of XXX but the settlement and bank Statements show actual proceeds were only XXX (proceeds were deposited XX/XX/XXXX). Without additional verified funds, the borrower does not have sufficient assets for closing or reserves. | Document Uploaded. Documentation of sale of vacant lot and refinance of REO for funds to close. | Client provided Closing Disclosure for XXX Refinance with the Borrower receiving XXX on XX/XX/XXXX. Cleared.; Funds are found to meet guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/07/2026 | C A |
| XXX | XXXXX | 304897056 | FCRE1198 | 01/06/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Borrower needs XXX to close ($XXX CTC + XXX EMD + XXX reserves) but only XXX has been verified ($XXX #XXX as of XX/XX/XXXX + XXX EMD cleared XX/XX/XXXX). The shortage is a result of the lender including proceeds from another property of XXX but the settlement and bank Statements show actual proceeds were only XXX (proceeds were deposited XX/XX/XXXX). Without additional verified funds, the borrower does not have sufficient assets for closing or reserves. | Document Uploaded. LOX on assets, copy of settlement for vacant refi and copy of final cd from refi of REO | Client provided Closing Disclosure for XXX XXX Refinance with the Borrower receiving XXX on XX/XX/XXXX. Cleared.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2026 | C A |
| XXX | XXXXX | 304897056 | FCRE9995 | 01/06/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Borrower needs XXX to close ($XXX CTC + XXX EMD + XXX reserves) but only XXX has been verified ($XXX #XXX as of XX/XX/XXXX + XXX EMD cleared XX/XX/XXXX). The shortage is a result of the lender including proceeds from another property of XXX but the settlement and bank Statements show actual proceeds were only XXX (proceeds were deposited XX/XX/XXXX). Without additional verified funds, the borrower does not have sufficient assets for closing or reserves. | Document Uploaded. LOX and documentation of sale of vacant lot and refi of REO | Client provided Closing Disclosure for XXX XXX Refinance with the Borrower receiving XXX on XX/XX/XXXX. Cleared.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2026 | C A |
| XXX | XXXXX | 304904246 | FCRE1316 | 01/23/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide verification that the business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase. Business must be verified through one of the following: Evidence of current work (executed contracts or signed invoices) Evidence of current business receipt Business website demonstrating activity supporting current business operations. | Document Uploaded. Dec XXX signed invoice | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided current Business Invoice dated XX/XX/XXXX and Signed. LM Updated.; Borrower 1 3rd Party VOE Prior to Close Missing | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2026 | D A |
| XXX | XXXXX | 304904246 | FCRE1193 | 12/31/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI exceeds XXX% due to XXX installment loan at XXX monthly/$XXX bal was not included in the pay offs at closing. Provide documentation the of pay off. | Document Uploaded. evidence ex-wife is obligated to pay BofA | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Evidence of payment for B of a by ex wife provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2025 | C A |
| XXX | XXXXX | 304904246 | finding-3352 | 12/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant | Please close this condition as "resolved". Compliant HPML is allowed on Non-QM program. |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2025 | A |
| XXX | XXXXX | 304904246 | FPRO8998 | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 304893877 | FCOM5413 | 12/18/2025 | Compliance | Missing Doc | Prepayment Penalty Information Unavailable | Prepayment submitted does not meet program guide requirements. Please contact your assigned Client Advocate for exception review or submit corrected, executed prepayment addendum and rider. Along with Letter of intent to rerecord and an attestation that the incorrect note has been destroyed. Additionally, corrected PCCD and LOE to the consumer will be required if PPP terms are updated. | Document Uploaded. XXX has approved the exception request for the PPP structure. The PPP charge is structured as a XXX-month interest versus the locked structured at XXX months' interest. | Exception: Exception for PPP addendum to note does not match locked terms. Note reflects XXX mos interest for XXX months, rate locked at XXX mos interest for XXX months. Exception acknowledged. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes D B |
| XXX | XXXXX | 304893877 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only; Investor acknowledges finding.; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304893877 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only; Investor acknowledges finding.; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304893877 | FCRE9121 | 12/15/2025 | Credit | Borrower | Fraud: Red Flag Variances are not properly addressed in the file | XXX, Requires Loan XXX for Enhanced Valuation Review |  | ; ; |  | Rescinded |  | A |
| XXX | XXXXX | 304898402 | FPRO1136 | 12/17/2025 | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis The Appraisal Completion Report was not provided at the time of the review. | Document Uploaded. Seller rebuttal on requirement of completion cert. | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | C A |
| XXX | XXXXX | 304898402 | FCRE1161 | 12/17/2025 | Credit | Missing Doc | Flood Certificate Missing | Missing Flood Certificate Flood Cert was not provided at the time of review. | Document Uploaded. Flood certificate | Flood Certificate is fully present | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | D A |
| XXX | XXXXX | 304898402 | FPRO0951 | 12/17/2025 | Property | Missing Doc | XXX Approval Missing | XXX Approval Missing. XXX approval is Missing - provide documentation of XXX warrantability. | Document Uploaded. XXX warrantability certificate | XXX Approval is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | B A |
| XXX | XXXXX | 304898402 | FCRE8506 | 12/17/2025 | Credit | Missing Doc | Application Profile Missing | Final Lender Calculated DSCR is missing from the file. | Document Uploaded. XXX with DSCR calculation at bottom | XXX with DSCR calculation provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | D A |
| XXX | XXXXX | 304898914 | FCRE1204 | 01/14/2026 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The Fraud Report reflected uncleared alerts and a current report status of Fail. | Document Uploaded. Fraud Report | All Fraud Report Alerts have been cleared or None Exist; Client provided Fraud Report with cleared alert reflecting Pass. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | C A |
| XXX | XXXXX | 304898914 | FCRE2009 | 01/14/2026 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage | Document Uploaded. | Rent Loss Coverage Present; Client provided evidence Loss of Use is Rent Loss. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 304898914 | FCRE2008 | 01/14/2026 | Credit | Insurance | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is XXXed as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. | Document Uploaded. Rent loss | Loss Rent Coverage is Sufficient; Client provided evidence Loss of Use is Rent Loss. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | C A |
| XXX | XXXXX | 304898914 | FCOM1221 | 01/14/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The Mortgage is not stamped "true and certified" as required per guidelines. | Document Uploaded. Mortgage uploaded | The Deed of Trust is Present and Complete; Client provided Recorded Deed of Trust and Addendums. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 304898914 | FPRO8998 | 01/13/2026 | Property | Data | 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. |  | Informational Only; Investor acknowledges exception.; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 304898914 | FCOM8997 | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges exception.; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 304898914 | FCRE1200 | 01/11/2026 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX The lender's guidelines reflects a minimum loan amount of XXX The subject Note reflects the loan closed with a loan amount of XXX The loan file contained an exception request form which was neither approved nor denied. | Document Uploaded. Investor's approval | Exception for loan amount under XXX The loan is XXX Fico is greater than Guideline minimum. Investor acknowledges this exception. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B A |
| XXX | XXXXX | 304973616 | FCRE1438 | 02/23/2026 | Credit | Eligibility | ATR Risk | ATR Risk Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. Printout in file from XXX website is not acceptable. | Document Uploaded. Screenshot of borrower webpage dated XX/XX/XXXX; Document Uploaded. business website | ATR Risk Resolved; Website provided with date of XX/XX/XXXX.; Client provided Screenshot for the Borrower Webpage. However, pages does not reflect a date or current business activities. Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/23/2026 | C A |
| XXX | XXXXX | 304973616 | FCRE1347 | 02/23/2026 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. Printout in file from XXX website is not acceptable. | Document Uploaded. screenshot of borrower webpage dated XX/XX/XXXX; Document Uploaded. business website | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); Website provided with date of XX/XX/XXXX.; Client provided Screenshot for the Borrower Webpage. However, pages does not reflect a date or current business activities. Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/23/2026 | D A |
| XXX | XXXXX | 304973616 | FCRE1495 | 01/28/2026 | Credit | QM-ATR | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. Printout in file from XXX website is not acceptable. | Document Uploaded. Screenshot of borrower webpage dated XX/XX/XXXX; Document Uploaded. business website | ATR: Current Employment Was Verified; Website provided with date of XX/XX/XXXX.; Client provided Screenshot for the Borrower Webpage. However, pages does not reflect a date or current business activities. Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | C A |
| XXX | XXXXX | 304973616 | FCOM5135 | 01/20/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation that the lender has no affiliates. | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation that the lender has no affiliates. | Investor acknowledges exception. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 304973616 | FPRO8998 | 01/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/20/2026 | A |
| XXX | XXXXX | 305013270 | finding-3635 | 01/23/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Cure provided on Final CD; Exception resolved Cure provided on Final CD; Exception resolved | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Cure provided on Final CD; Exception resolved Cure provided on Final CD; Exception resolved | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Cure provided on Final CD; Exception resolved Cure provided on Final CD; Exception resolved | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This loan failed the charges that in total cannot increase more than XXX% 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 XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Cure provided on Final CD; Exception resolved Cure provided on Final CD; Exception resolved | Rescinded |  | C A |
| XXX | XXXXX | 305013270 | finding-3634 | 01/23/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the addition of the Appraisal review fee for $XXX on the initial CD without a valid COC. Cure was applied to the $XXX appraisal review management fee and the $XXX% tolerance TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the addition of the Appraisal review fee for $XXX on the initial CD without a valid COC. Cure was applied to the $XXX appraisal review management fee and the $XXX% tolerance 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). Document Uploaded. COC uploaded Document Uploaded. COC uploaded Document Uploaded. COC uploaded Document Uploaded. COC uploaded Valid COC with applicable LE provided; exception resolved Valid COC with applicable LE provided; exception resolved | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the addition of the Appraisal review fee for $XXX on the initial CD without a valid COC. Cure was applied to the $XXX appraisal review management fee and the $XXX% tolerance TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the addition of the Appraisal review fee for $XXX on the initial CD without a valid COC. Cure was applied to the $XXX appraisal review management fee and the $XXX% tolerance 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). Document Uploaded. COC uploaded Document Uploaded. COC uploaded Document Uploaded. COC uploaded Document Uploaded. COC uploaded Valid COC with applicable LE provided; exception resolved Valid COC with applicable LE provided; exception resolved | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the addition of the Appraisal review fee for $XXX on the initial CD without a valid COC. Cure was applied to the $XXX appraisal review management fee and the $XXX% tolerance TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the addition of the Appraisal review fee for $XXX on the initial CD without a valid COC. Cure was applied to the $XXX appraisal review management fee and the $XXX% tolerance 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). Document Uploaded. COC uploaded Document Uploaded. COC uploaded Document Uploaded. COC uploaded Document Uploaded. COC uploaded Valid COC with applicable LE provided; exception resolved Valid COC with applicable LE provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/23/2026 | C A |
| XXX | XXXXX | 305013270 | FPRO9990 | 01/22/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Lender to provide a Collateral Desktop Analysis from XXX if CU score is greater than XX/XX/XXXX | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Lender to provide a Collateral Desktop Analysis from XXX if CU score is greater than XX/XX/XXXX | Client provided Appraisal Desktop Review.; Third party valuation product provided within tolerance.; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/22/2026 | C A |
| XXX | XXXXX | 305013270 | FCRE1182 | 01/22/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Approval/Underwriting Summary. |  | Client provided XXX.; Approval/Underwriting Summary is fully present; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/22/2026 | B A |
| XXX | XXXXX | 305013270 | FPRO0936 | 01/22/2026 | Property | Missing Doc | UCDP Summary Report is Missing | Lender to provide FNMA and FHLMC UCDP. If CU score is greater than XX/XX/XXXX a CDA from XXX is required | Document Uploaded. UCDP | Client provided XXX and XXX UCDP Submission Reports. LM Updated.; Client provided Appraisal Report and Desktop Review. Please provided FNMA and FHLMC UCDP Report. ; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/22/2026 | D A |
| XXX | XXXXX | 305013270 | FCOM1252 | 01/21/2026 | Compliance | Missing Doc | TRID: Missing Loan Estimate | This loan failed the Initial Loan estimate delivery date test. The initial and/or any revised Loan Estimates are missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. | Document Uploaded. Initial disclosure package uploaded | Initial LE provided; exception resolved; LEs were not included in the documents uploaded; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/21/2026 | D A |
| XXX | XXXXX | 305013270 | finding-3532 | 01/21/2026 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. 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 CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation if the disclosure was delivered electronically or XXX business days prior to consummation on XX/XX/XXXX if mailed. | Document Uploaded. Initial CD uploaded | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved; Initial CD was not included in the documents uploaded; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/21/2026 | C A |
| XXX | XXXXX | 305013270 | FCOM1266 | 01/21/2026 | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Please provide Homeownership Counseling Disclosure within XXX days of application date. | Please see uploaded initial disclosure package with all missing documents | Homeownership Counseling Disclosure Is Present or Not Applicable; HOC was not included in the documents uploaded; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/21/2026 | B A |
| XXX | XXXXX | 305013270 | FCOM3608 | 01/21/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. | Please see uploaded initial disclosure package with all missing documents | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; ITP was not included in the documents uploaded; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/21/2026 | B A |
| XXX | XXXXX | 305013270 | FCOM9186 | 01/21/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. | Please see uploaded initial disclosure package with all missing documents | Evidence of eConsent is provided. The eSigned documents consent is missing.; Econsent was not included in the documents uploaded; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/21/2026 | B A |
| XXX | XXXXX | 305013270 | FCRE1325 | 01/21/2026 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing |  | Borrower 1 CPA Letter Provided; Client provided CPA letter dated XX/XX/XXXX.; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/21/2026 | D A |
| XXX | XXXXX | 305013270 | FCRE1316 | 01/21/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Verification that the business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase is required with one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. | Document Uploaded. Verification of Business | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided a Screenshot from the Business webpage verifying the business license is active. The site also has the ability to start a project with the builder. Updated XX/XX/XXXX. LM Updated.; Client provided Self-Employed Business Narrative Form. Still need Verification that the business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase is required with one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations.; Borrower 1 3rd Party VOE Prior to Close Missing; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/21/2026 | D A |
| XXX | XXXXX | 305013270 | FPRO1242 | 01/16/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Lender to provide full appraisal |  | Client provided Appraisal Report.; Appraisal is Present or is Waived; Appraisal is Missing.; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/16/2026 | D A |
| XXX | XXXXX | 305013270 | FCRE1201 | 01/16/2026 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Lender to provide fraud report for XXX |  | Third Party Fraud Report is provided; Client provided Third Party Fraud Report for the Borrower dated XX/XX/XXXX.; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/16/2026 | D A |
| XXX | XXXXX | 305013270 | FCOM1231 | 01/16/2026 | Credit | Missing Doc | The Initial 1003 is Missing | The Initial 1003 is Missing | Document Uploaded. | Client provided Initial 1003.; The Initial 1003 is Present; All documents in missing 1003 folder; | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/16/2026 | D A |
| XXX | XXXXX | 305013270 | FCRE1157 | 01/16/2026 | Credit | Missing Doc | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Lender to provide hazard insurance policy |  | Hazard Insurance Policy is fully present; Client provided Evidence of Property Insurance for XXX S XXX W.; All documents in missing 1003 folder | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Resolved | 01/16/2026 | D A |
| XXX | XXXXX | 305013270 | FCOM5135 | 01/14/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date or provide confirmation the lender has no affiliates. |  | Investor acknowledges exception | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Acknowledged |  | No B A |
| XXX | XXXXX | 305012530 | FCRE7347 | 01/16/2026 | Credit | Missing Doc | Missing Lease Agreement | Per the appraisal, month-to-month leases are in place. Per guidelines, an unexpired executed lease is required for all units, except for purchase transactions where there is not existing lease or the existing lease is not assigned. Please note that the Lender used lease amounts to qualify which is less than market rents. | Seller response- this is a purchase transaction. If there is no assignment of leases, they are not required on purchase transactions per the guideline It is quite common anytime leases are extended for them to roll month to month. | Seller response- this is a purchase transaction. If there is no assignment of leases, they are not required on purchase transactions per the guideline It is quite common anytime leases are extended for them to roll month to month. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/16/2026 | D A |
| XXX | XXXXX | 305012530 | FPRO8998 | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only ; Investor acknowledges exception. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305012530 | FCOM8997 | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only ; Investor acknowledges exception. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305027375 | FCRE1202 | 01/15/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Subject loan is vested in an entity,XXX. Guidelines require a business fraud report which is not in the file. | Document Uploaded. Fraud report run with EIN | Third Party Fraud Report is fully present; Client provided Third Party Fraud Report dated XX/XX/XXXX ran with the name XXX with EIN. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/15/2026 | D A |
| XXX | XXXXX | 305027375 | FCRE2109 | 01/14/2026 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Documentation detailing the DSCR calculation was not found in the file and is required per guidelines. | Document Uploaded. dscr worksheet | Client provided DSCR calculation that matches origination. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 305027375 | FPRO8998 | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305027375 | FCOM8997 | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305027375 | FCOM1221 | 01/13/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The Mortgage is not stamped "true and certified" as required by the guidelines. | Document Uploaded. Stamped Deed of Trust uploaded | The Deed of Trust is Present and Complete; DOT certified True copy | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | D A |
| XXX | XXXXX | 305024961 | FCRE1316 | 01/23/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Verification that the business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase is required with one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. | Document Uploaded. copy of website and certification from lender | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided Verification from XXX that XXX contacted the CPA and verified that the Business is currently open and operating. LM Updated. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2026 | D A |
| XXX | XXXXX | 305024961 | FCRE1201 | 01/16/2026 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Unable to locate. Please provide. | Document Uploaded. Third party fraud report | Third Party Fraud Report is provided; B1 fraud report provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/16/2026 | D A |
| XXX | XXXXX | 305024961 | FPRO8998 | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges exception.; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305024961 | finding-3352 | 01/08/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please close this condition as "resolved". Compliant HPML is allowed on Non-QM program. |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/08/2026 | A |
| XXX | XXXXX | 305028471 | FCOM8997 | 01/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only |  | Resolved | 01/20/2026 | A |
| XXX | XXXXX | 305028471 | FCRE8999 | 01/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | 01/20/2026 | A |
| XXX | XXXXX | 305028471 | FPRO8998 | 01/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | 01/20/2026 | A |
| XXX | XXXXX | 305030500 | FCOM1221 | 01/23/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Copy must be a true certified copy of the original recorded security instrument | Document Uploaded. Mortgage uploaded | The Deed of Trust is Present and Complete; Client provided a Certified to be a True and Correct copy of the Original Mortgage/Deed of Trust. LM Updated. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2026 | D A |
| XXX | XXXXX | 305030500 | FCOM8997 | 01/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2026 | A |
| XXX | XXXXX | 305030500 | FPRO8998 | 01/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2026 | A |
| XXX | XXXXX | 305030690 | FCRE2009 | 01/28/2026 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage Hazard policy does not reflect rent loss coverage. Guidelines require coverage equal to XXX months of the subject's PITIA. | Document Uploaded. HOI | Rent Loss Coverage Present; HOI with Loss of rents XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | D A |
| XXX | XXXXX | 305030690 | FCRE9785 | 01/28/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The final Closing Disclosure (CD) reflects a sales price of XXX and seller concessions of XXX The purchase contract reflects a sales price of XXX and seller concessions of XXX The addendum reflecting the correct sales price and concessions, and matching the final CD, is required. | Document Uploaded. New Sales Price and $XXX seller credit | Purchase Contract Doc is complete.; Client provided Agreement to Amend Contract for the subject property reflecting a Sales Price of XXX and a Seller Credit of XXX LM Updated. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | B A |
| XXX | XXXXX | 305030690 | FCOM1221 | 01/28/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is not stamped "true and certified" as required per guidelines. | Document Uploaded. Stamped Mortgage uploaded | The Deed of Trust is Present and Complete; Client provided Certified to be a True & Exact Copy of Recorded Original Deed of Trust. LM Updated. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | D A |
| XXX | XXXXX | 305030690 | FCRE5123 | 01/23/2026 | Credit | Missing Doc - Credit | Missing Business Entity Formation Document | File is missing the Operating Agreement for XXX | Document Uploaded. Lender's comment: This is a XXX and its not required by State law in XXX. | Client States: This is a XXX and Operating Agreement its not required by State law in XXX. Articles of Organization are in file. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2026 | D A |
| XXX | XXXXX | 305030690 | FCRE3653 | 01/23/2026 | Credit | Missing Doc | Missing letter of explanation | When loan is vested in a business entity, guidelines limit the purpose of the business to ownership and management of real eState. The file is missing a Letter of Explanation detailing the nature of the borrower's business. | Document Uploaded. Lender's comment: The XXX Business Report shows on page XXX the nature of business. | Client provided XXX XXX Business Report reflecting the Business Industry Description as Construction, Single-Family Houses and Business Description Residential Property Managers. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2026 | D A |
| XXX | XXXXX | 305030690 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305030690 | FCOM8997 | 01/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305031261 | FCRE1495 | 02/23/2026 | Credit | QM-ATR | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. | Document Uploaded. biz profile, XXX search and XXX llc annual rpt dated XX/XX/XXXX | ATR: Current Employment Was Verified; VVOE provided. biz profile, XXX search and XXX llc annual rpt dated XX/XX/XXXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/23/2026 | C A |
| XXX | XXXXX | 305031261 | FCRE1438 | 01/28/2026 | Credit | Eligibility | ATR Risk | ATR Risk Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. | Document Uploaded. biz profile, XXX search and XXX annual rpt dated XX/XX/XXXX | ATR Risk Resolved; VVOE provided. biz profile, XXX search and XXX annual rpt dated XX/XX/XXXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2026 | C A |
| XXX | XXXXX | 305031261 | FCRE1316 | 01/28/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. | Document Uploaded. biz profile, XXX search and XXX llc annual rpt dated XX/XX/XXXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; VVOE provided. biz profile, XXX search and XXX llc annual rpt dated XX/XX/XXXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2026 | D A |
| XXX | XXXXX | 305031261 | FPRO8998 | 01/19/2026 | Property | Data | 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. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/19/2026 | A |
| XXX | XXXXX | 305031261 | FCOM8997 | 01/19/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/19/2026 | A |
| XXX | XXXXX | 305031322 | FCRE9785 | 01/16/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Purchase contract reflects earnest money deposit of XXX but the final Closing Disclosure (CD) reflects XXX An addendum to the purchase contract reflecting earnest money of XXX is required. | Lender rebuttal- See section XXX of the purchase contract, additional terms and conditions. Here it States should the buyer elect to proceed after inspection, another XXX EMD is required. This totals XXX | Additional EM addressed section XXX of purchase contract; Purchase Contract Doc is complete. |  | Rescinded |  | A |
| XXX | XXXXX | 305031322 | FPRO8998 | 01/14/2026 | Property | Data | 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. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305031322 | FCOM8997 | 01/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305033612 | FCRE1438 | 01/28/2026 | Credit | Eligibility | ATR Risk | ATR Risk Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. | ATR Risk Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. | Exception requested to use CPA letter and SUS provided in lieu of evidence of current work (ie contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. Exception acknowledged. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B A |
| XXX | XXXXX | 305033612 | FCRE1495 | 01/28/2026 | Credit | QM-ATR | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. | ATR: Current Employment Not Verified Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. | Exception requested to use CPA letter and SUS provided in lieu of evidence of current work (ie contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. Exception acknowledged. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B A |
| XXX | XXXXX | 305033612 | FCRE1316 | 01/28/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require verification that the borrower's business is active and operating within XXX days of the Note date. Acceptable verification includes evidence of current work (i. contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. | Document Uploaded. investor exception approval | Exception requested to use CPA letter and SUS provided in lieu of evidence of current work (ie contracts or invoices), evidence of current business receipts, or evidence of the business website demonstrating activity and current business operations. Exception acknowledged. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes D B |
| XXX | XXXXX | 305033612 | finding-3634 | 01/23/2026 | Compliance | TRID Tolerance | 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) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Re-Inspection fee. A COC was provided dated XX/XX/XXXX however, the corresponding LE was not provided. | Document Uploaded. LE and COC | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2026 | C A |
| XXX | XXXXX | 305033612 | finding-3542 | 01/23/2026 | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised 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 hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. The Initial CD disclosed an APR of XXX%. The Revised CD issued XX/XX/XXXX disclosed an APR of XXX%. The loan required a XXX day waiting period prior to consummating of XX/XX/XXXX. | This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised 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 hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. The Initial CD disclosed an APR of XXX%. The Revised CD issued XX/XX/XXXX disclosed an APR of XXX%. The loan required a XXX day waiting period prior to consummating of XX/XX/XXXX. | This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised 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 hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. The Initial CD disclosed an APR of XXX%. The Revised CD issued XX/XX/XXXX disclosed an APR of XXX%. The loan required a XXX day waiting period prior to consummating of XX/XX/XXXX. | This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised 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 hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. The Initial CD disclosed an APR of XXX%. The Revised CD issued XX/XX/XXXX disclosed an APR of XXX%. The loan required a XXX day waiting period prior to consummating of XX/XX/XXXX. | Rescinded |  | C A |
| XXX | XXXXX | 305033612 | finding-3352 | 01/23/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please resolve and close out HPQM are allowed for NON QM loans |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2026 | A |
| XXX | XXXXX | 305033612 | FPRO8998 | 01/19/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/19/2026 | A |
| XXX | XXXXX | 305033664 | FCRE9785 | 01/23/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Provide fully executed purchase contract signed by all parties. | Document Uploaded. PURCHASE CONTRACT | Client provided Purchase Contract signed by all Parties. Cleared.; Purchase Contract Doc is complete. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2026 | B A |
| XXX | XXXXX | 305033664 | FCRE1316 | 01/23/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Verification that the business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase is required with one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. | Document Uploaded. Business is active | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided Website screenshots for the Borrower's Business reflecting Currently open and accepting reservations for equipment and Services. Cleared. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2026 | D A |
| XXX | XXXXX | 305033664 | FCRE5116 | 01/23/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide XXX rental payment history. Seller Guide Section XX/XX/XXXX reflects Borrowers who have lived in a rent-free situation are ineligible. | Document Uploaded. investor exception approval; Document Uploaded. Hello - LOE/housing expense and Property Profile. See LOE for housing expense and prop profile showing XXX owns the property. Thank you ~ | Exception for Rent free with partner, Investor acknowledged the expectation. ; Exception for Rent free with partner, Investor acknowledged the expectation. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. LOE provided that B1 pays partners utilities on primary residence, Investor approval be required for the use of "partner" vs spouse and for FTHB rent free with partner and free and clear property (no mortgage history). | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No D B |
| XXX | XXXXX | 305033664 | finding-3532 | 01/14/2026 | Compliance | TRID | 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) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Provide a copy of the initial CD and documentation to show the CD was received by the borrower at least XXX days prior to consummation, XX/XX/XXXX. | Document Uploaded. CDs uploaded | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | C A |
| XXX | XXXXX | 305033664 | FPRO8998 | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only ; Investor acknowledges exception. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305033664 | FCRE8999 | 01/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only ; Investor acknowledges exception. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305036073 | FCRE2009 | 01/29/2026 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage The Evidence of Property Insurance does not reflect rent loss insurance for the subject investment property. | Per XXX non QM XX/XX/XXXX guidelines in section XX/XX/XXXX on page XXX-XXX there is no requirement for rent loss insurance. Guidelines require for DSCR Products: • A commercial, Landlord or rental dwelling policy is required. • Blanket policies covering the subject property are permitted. | Per XXX non QM XX/XX/XXXX guidelines in section XX/XX/XXXX on page XXX-XXX there is no requirement for rent loss insurance. Guidelines require for DSCR Products: • A commercial, Landlord or rental dwelling policy is required. • Blanket policies covering the subject property are permitted.; Missing rent loss insurance coverage The Evidence of Property Insurance does not reflect rent loss insurance for the subject investment property. | Per XXX non QM XX/XX/XXXX guidelines in section XX/XX/XXXX on page XXX-XXX there is no requirement for rent loss insurance. Guidelines require for DSCR Products: • A commercial, Landlord or rental dwelling policy is required. • Blanket policies covering the subject property are permitted.; Missing rent loss insurance coverage The Evidence of Property Insurance does not reflect rent loss insurance for the subject investment property. | Rescinded |  | D A |
| XXX | XXXXX | 305036073 | FCRE1202 | 01/29/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided The loan file is missing the Fraud Report for the business. | Document Uploaded. Fraud Rpt for XXX | Third Party Fraud Report is fully present; Client provided Due Diligence Investigation Report from XXX om reflecting XXX. LM Updated.; Third Party Fraud Report Partially Provided The loan file is missing the Fraud Report for the business. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | D A |
| XXX | XXXXX | 305036073 | FCRE1479 | 01/29/2026 | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. The lender's guidelines require an access letter when business funds are used and the borrower is not XXX% owner of the business. The Operating Agreement reflects the borrower has XXX% ownership. The loan file is missing the access letter. | Document Uploaded. Access letter | Asset Record XXX Meets G/L Requirements; Client provided Access Authorization Letter for the Borrower to have access to XXX% of the funds in XXX account #XXX. LM Updated.; Asset Record XXX Does Not Meet G/L Requirements. The lender's guidelines require an access letter when business funds are used and the borrower is not XXX% owner of the business. The Operating Agreement reflects the borrower has XXX% ownership. The loan file is missing the access letter. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | C A |
| XXX | XXXXX | 305036073 | FCOM8997 | 01/27/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Please resolve and close out |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2026 | A |
| XXX | XXXXX | 305036073 | FPRO8998 | 01/26/2026 | Property | Data | 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. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A |
| XXX | XXXXX | 304909525 | FCRE1182 | 12/10/2025 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. A loan approval or XXX are required and are not in the file. | per seller: Please see the loan application and clear. XXX are not used for business purpose loans. | Approval/Underwriting Summary is fully present; BP loan, approval or XXX not required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | B A |
| XXX | XXXXX | 304909525 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledged exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304909525 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledged exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 305012466 | FCRE8999 | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305012466 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305012466 | FCOM8997 | 01/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304909090 | FPRO9990 | 02/23/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The FHLMC/FNMA UCDP submission is missing | Document Uploaded. Lender's comment: We ordered two appraisals. | Third party valuation product provided within tolerance.; Original file did not include the submitted second appraisal from XX/XX/XXXX; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/23/2026 | C A |
| XXX | XXXXX | 304909090 | FCRE1182 | 12/10/2025 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Approval/Underwriting Summary. | Document Uploaded. Loan approval | Approval/Underwriting Summary is fully present; Approval provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | B A |
| XXX | XXXXX | 304909090 | FCRE1201 | 12/10/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Document Uploaded. Fraud Report | Third Party Fraud Report is provided; Drive and XXX provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | D A |
| XXX | XXXXX | 304909090 | FCOM3596 | 12/09/2025 | Credit | Missing Doc | Missing Prepayment Rider | Prepayment Rider is Missing. | This lender does not do prepayment riders. They bake the PPP into the note only. | Does not apply for this transaction. |  | Rescinded |  | A |
| XXX | XXXXX | 304909090 | FCOM1229 | 12/09/2025 | Credit | Missing Doc | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. 1-4 Family Rider is Missing. |  | 1-4 Family Rider verbiage is a provision within the Deed.; The 1-4 Family Rider is Present |  | Rescinded |  | A |
| XXX | XXXXX | 304852949 | XXXXX-11887 | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXXXX | 304872523 | XXXXX-11982 | 11/10/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves XXX | Acknowledged | 11/10/2025 | B |
| XXX | XXXXX | 304876518 | XXXXX-11983 | 11/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/10/2025 | A |
| XXX | XXXXX | 304892985 | XXXXX-12035 | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXXXX | 304894000 | XXXXX-12297 | 11/24/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing ISAOA/ATIMA verbiage in the mortgagee clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: updated hoi | XXX: Received |  | Cleared | 12/2/2025 | D A |
| XXX | XXXXX | 304893828 | XXXXX-12359 | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/26/2025 | A |
| XXX | XXXXX | 304866958 | XXXXX-12403 | 12/2/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | LTV 60.76%, FICO XXX months reseves | Acknowledged | 12/2/2025 | B |
| XXX | XXXXX | 304898952 | XXXXX-12486 | 12/4/2025 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Subject Property is vacant at the time of closing for a refinance transaction. Borrower must provide evidence that the property has been leased. All properties owned greater than XXX months must be occupied and leased per guidelines. | XX/XX/XXXX: Waived via email XX/XX/XXXX: Please see attached listing for subject property. | XXX: Waived via email XXX: Subject property is vacant at the time of closing, which is ineligible per guidelines. Please provide evidence this property was tenant-occupied at closing or XXX exception approval | DSCR XXX LTV 70%, XXX | Acknowledged | 1/8/2026 | D B |
| XXX | XXXXX | 304867461 | XXXXX-12489 | 12/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/9/2025 | A |
| XXX | XXXXX | 304898963 | XXXXX-12493 | 12/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/9/2025 | A |
| XXX | XXXXX | 304867365 | XXXXX-12507 | 12/9/2025 | Property | Appraisal Documentation | Appraisal Missing or Defective | Appraiser mentions deferred maintenance in the amount of XXX to replace the carpet. Deferred maintenance generally must be completed prior to closing per guidelines. $XXX/$XXX is over XXX% | XX/XX/XXXX: Photographs showing carpet replaced with alternate flooring - appraisal is as-is, no 1004D required. photographs acceptable to Constructive for deferred maint. issue. | XXX: Received evidence flooring has been replaced |  | Cleared | 1/21/2026 | C A |
| XXX | XXXXX | 304849215 | XXXXX-12513 | 12/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/9/2025 | A |
| XXX | XXXXX | 304889794 | XXXXX-12521 | 12/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/10/2025 | A |
| XXX | XXXXX | 304899029 | XXXXX-12531 | 12/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/10/2025 | A |
| XXX | XXXXX | 304866958 | XXXXX-12585 | 12/4/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing XXX months consecutive bank Statements for XXX account #XXX. | XX/XX/XXXX - XXX: The borrower utilized XXX in loan proceeds to satisfy their reserve requirement. Additionally, two consecutive months of Statements from XXX XXX were provided. Please see the attached Statements covering XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX | XXX: Received |  | Cleared | 12/16/2025 | C A |
| XXX | XXXXX | 304889924 | XXXXX-12644 | 12/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/8/2025 | A |
| XXX | XXXXX | 304867365 | XXXXX-12665 | 12/9/2025 | Credit | Closing Documentation | Note Missing or Defective | Note reflects a prepayment penalty of XXX months. The tape reflects a prepayment penalty of XXX months. Please opine. | XX/XX/XXXX: See attached data tape which aligns with the XXX year PPP. | XXX: Received |  | Cleared | 12/30/2025 | C A |
| XXX | XXXXX | 304904427 | XXXXX-12669 | 12/15/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 12/15/2025 | B |
| XXX | XXXXX | 304897426 | XXXXX-12674 | 12/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/15/2025 | A |
| XXX | XXXXX | 304897602 | XXXXX-12685 | 12/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/16/2025 | A |
| XXX | XXXXX | 304366875 | XXXXX-31 | 8/28/2024 | Credit | Loan Documentation | Application/Processing | Missing loan application | XX/XX/XXXX: Waived via email | XXX: Waived via email | FICO XXX DSCR XXX months reserves | Acknowledged | 9/3/2024 | D B |
| XXX | XXXXX | 304366875 | XXXXX-32 | 8/28/2024 | Credit | Loan Documentation | Closing Documentation | MISSING CONVEYANCE DEED from XXX | XX/XX/XXXX: Waived per JPM | XXX: Waived per XXX | FICO XXX DSCR XXX months reserves | Acknowledged | 8/28/2024 | B |
| XXX | XXXXX | 304848509 | 10013421400 | 9/9/2025 | Credit | Borrower Requirements Not Met | Guaranty Missing or Defective | MISSING GUARANTY for XXX (XXX% owner of XXX), all loans should have executed personal guarantees by XXX% of the entity's ownership per guidelines. | XX/XX/XXXX:XXX - Do to management please waive based on these compensating factors - Guarantors FICO is XXX.) DSCR of XX/XX/XXXX | XXX: Waived | FICO XXX DSCR XXX x XXX x XXX | Acknowledged | 11/5/2025 | D B |
| XXX | XXXXX | 304095987 | XXXXX-441 | 2/5/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 2/5/2024 | A |
| XXX | XXXXX | 304369602 | XXXXX-3762 | 9/17/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/17/2024 | A |
| XXX | XXXXX | 304459204 | XXXXX-5644 | 12/3/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area (XXX). Please provide exterior inspection following post disaster guideline requirements. | XX/XX/XXXX: PDI | XXX: Received |  | Cleared | 12/5/2024 | D A |
| XXX | XXXXX | 304459356 | XXXXX-5795 | 12/5/2024 | Credit | Application/Processing | Loan Application Missing or Defective | Missing 1003 Loan Application (URLA - Final) | XX/XX/XXXX: Waived via email | XXX: Waived via email | DSCR XXX FICO XXX months reserves | Acknowledged | 12/10/2024 | D B |
| XXX | XXXXX | 304459356 | XXXXX-5819 | 12/5/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area (XXX). Please provide exterior inspection following post disaster guideline requirements. | XX/XX/XXXX: XXX County did not received a declaration per the attached map | XXX: Received |  | Cleared | 12/9/2024 | D A |
| XXX | XXXXX | 304493266 | XXXXX-6962 | 2/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 2/10/2025 | A |
| XXX | XXXXX | 304641307 | XXXXX-7259 | 2/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 2/24/2025 | A |
| XXX | XXXXX | 304701029 | XXXXX-9385 | 6/6/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | XX/XX/XXXX: Waived via XXX email | XXX: Waived via XXX email | FICO XXX DSCR XXX months reserves | Acknowledged | 6/6/2025 | B |
| XXX | XXXXX | 304700216 | XXXXX-9531 | 6/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 6/17/2025 | A |
| XXX | XXXXX | 304481435 | XXXXX-7203 | 2/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 2/20/2025 | A |
| XXX | XXXXX | 304685820 | XXXXX-10451 | 8/20/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD and mortgage in file reflect XXX months PPP. | XX/XX/XXXX: The security instrument has a XXX month PPP rider attached. | XXX: Received |  | Cleared | 9/3/2025 | C A |
| XXX | XXXXX | 304736162 | XXXXX-10661 | 9/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304723761 | XXXXX-10694 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304842887 | XXXXX-10845 | 9/22/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | FICO XXX months reserves, DSCR XXX | Acknowledged | 9/22/2025 | B |
| XXX | XXXXX | 304834680 | XXXXX-10898 | 9/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/25/2025 | A |
| XXX | XXXXX | 304845368 | XXXXX-11015 | 10/1/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 10/1/2025 | B |
| XXX | XXXXX | 304824144 | XXXXX-11058 | 10/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/2/2025 | A |
| XXX | XXXXX | 304833599 | XXXXX-11060 | 10/2/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 10/2/2025 | B |
| XXX | XXXXX | 304847862 | XXXXX-11097 | 10/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX1003: Clear |  | Cleared | 10/3/2025 | A |
| XXX | XXXXX | 304833609 | XXXXX-11127 | 10/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/6/2025 | A |
| XXX | XXXXX | 304833608 | XXXXX-11150 | 10/6/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 10/6/2025 | B |
| XXX | XXXXX | 304866792 | XXXXX-11710 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXXXX | 304855023 | XXXXX-11711 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXXXX | 304860688 | XXXXX-11749 | 10/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/30/2025 | A |
| XXX | XXXXX | 304846516 | XXXXX-11752 | 10/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/30/2025 | A |
| XXX | XXXXX | 304862129 | XXXXX-11783 | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/31/2025 | A |
| XXX | XXXXX | 304843768 | XXXXX-11818 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXXXX | 304872522 | XXXXX-11823 | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXXXX | 304748769 | XXXXX-11111 | 10/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX1003: Clear |  | Cleared | 10/3/2025 | A |
| XXX | XXXXX | 304776843 | XXXXX-11696 | 10/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/29/2025 | A |
| XXX | XXXXX | 304856482 | XXXXX-11944 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXXXX | 304856481 | XXXXX-11959 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXXXX | 304856490 | XXXXX-11968 | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXXXX | 304843764 | XXXXX-11986 | 11/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/10/2025 | A |
| XXX | XXXXX | 304856477 | XXXXX-11995 | 11/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/10/2025 | A |
| XXX | XXXXX | 304898299 | XXXXX-12129 | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/17/2025 | A |
| XXX | XXXXX | 304855089 | XXXXX-12365 | 12/1/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title commitment Schedule A Item 3 in file reflects Leasehold, which is ineligible per UWG. | XX/XX/XXXX MM: Please see attached final title policy that shows mortgage is fee simple | XXX: Received |  | Cleared | 12/9/2025 | C A |
| XXX | XXXXX | 304897600 | XXXXX-12374 | 12/1/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 12/1/2025 | B |
| XXX | XXXXX | 304897348 | XXXXX-12376 | 12/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/1/2025 | A |
| XXX | XXXXX | 304897352 | XXXXX-12382 | 12/1/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 12/1/2025 | B |
| XXX | XXXXX | 304898419 | XXXXX-12439 | 12/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/2/2025 | A |
| XXX | XXXXX | 304897427 | XXXXX-12466 | 12/3/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX LTV 80%, FICO XXX | Acknowledged | 12/3/2025 | B |
| XXX | XXXXX | 304904449 | XXXXX-12569 | 12/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/5/2025 | A |
| XXX | XXXXX | 304933506 | XXXXX-12595 | 12/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/8/2025 | A |
| XXX | XXXXX | 304897424 | XXXXX-12598 | 12/5/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX XX/XX/XXXX months reserves | Acknowledged | 12/5/2025 | B |
| XXX | XXXXX | 304828418 | XXXXX-12619 | 12/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/8/2025 | A |
| XXX | XXXXX | 304897351 | XXXXX-12651 | 12/9/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 12/9/2025 | B |
| XXX | XXXXX | 304904533 | XXXXX-12652 | 12/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/9/2025 | A |
| XXX | XXXXX | 304811640 | XXXXX-22 | XX/XX/XXXX | No Findings | No Findings | No Findings | The loan meets all the applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | XX/XX/XXXX | A |
| XXX | XXXXX | 304898613 | XXXXX-50 | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXXXX | 304779639 | XXXXX-77 | 9/8/2025 | Property | Appraisal Documentation | Subject Property Lease - Missing or Defective | Subject property is vacant which is ineligible per guides. Single family properties must be leased at the time of closing. | XX/XX/XXXX: lease agreement | XXX: Evidence of recent renovations received |  | Cleared | 9/24/2025 | C A |
| XXX | XXXXX | 304898614 | XXXXX-278 | 9/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/25/2025 | A |
| XXX | XXXXX | 304779626 | XXXXX-294 | 12/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/16/2025 | A |
| XXX | XXXXX | 304728880 | XXXXX-21 | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXXXX | 304898612 | XXXXX-25 | 12/3/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | Months Reserves XXX FICO XXX DSCR XX/XX/XXXX | Acknowledged | 12/3/2025 | B |
| XXX | XXXXX | 304898557 | XXXXX-30 | 12/10/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX Months Reserves XXX | Acknowledged | 12/10/2025 | B |
| XXX | XXXXX | 304898610 | XXXXX-60 | 12/11/2025 | Title/Lien | Title/Lien | Title Insurance Missing or Defective | $XXX Title Coverage < $XXX minimum required, please provide updated Title Policy with correct coverage | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX Months Reserves XXX | Acknowledged | 12/11/2025 | B |
| XXX | XXXXX | 304898587 | XXXXX-85 | 12/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/12/2025 | A |
| XXX | XXXXX | 304898591 | XXXXX-87 | 12/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/12/2025 | A |
| XXX | XXXXX | 304898615 | XXXXX-88 | 12/11/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX TITLE INSURANCE COVERAGE < $XXX MINIMUM INSURANCE REQUIRED | XX/XX/XXXX: Waived via overlay | XX/XX/XXXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 12/11/2025 | B |
| XXX | XXXXX | 304898604 | XXXXX-103 | 12/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/12/2025 | A |
| XXX | XXXXX | 304871927 | XXXXX-1 | 11/3/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/3/2025 | A |
| XXX | XXXXX | 304871668 | XXXXX-1 | 11/4/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/4/2025 | A |
| XXX | XXXXX | 304871666 | XXXXX-1 | 11/4/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/4/2025 | A |
| XXX | XXXXX | 304893330 | XXXXX-1 | 11/4/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/4/2025 | A |
| XXX | XXXXX | 304859489 | XXXXX-1 | 11/6/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/6/2025 | A |
| XXX | XXXXX | 304871656 | XXXXX-1 | 11/7/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/7/2025 | A |
| XXX | XXXXX | 304893252 | XXXXX-1 | 11/10/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/10/2025 | A |
| XXX | XXXXX | 304902779 | 18377663444 | 11/13/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Lender on Title Commitment does not match Lender on Note. Please upload Updated Title. | XXX: Updated Title | XXX: Received updated title |  | Cleared | 11/24/2025 | C A |
| XXX | XXXXX | 304893333 | XXXXX-1 | 11/13/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/13/2025 | A |
| XXX | XXXXX | 304902778 | 18377663645 | 11/13/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Lender on Title Commitment does not match Lender on Note. Please upload Updated Title. | XXX: Commitment | XXX: Received Title |  | Cleared | 11/18/2025 | C A |
| XXX | XXXXX | 304902779 | 18377696206 | 11/13/2025 | Credit | Credit | Excessive LTV Ratio | 70% LTV > XXX% Max LTV for a Rural subject property | XXX: Exception approval | XXX: Received Exception Approval | CU score XXX DSCR >XXX, C/O covers more than XXX mo reserves | Acknowledged | 11/26/2025 | C B |
| XXX | XXXXX | 304902778 | 18377696329 | 11/13/2025 | Credit | Credit | Excessive LTV Ratio | 70% LTV > XXX% Max LTV for a Rural subject property | XXX: Exception approval | XXX: Received Exception approval | DSCR > XXX C/O covers more than XXX mo reserves, CU score XXX | Acknowledged | 11/25/2025 | C B |
| XXX | XXXXX | 304902649 | XXXXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXXXX | 304902669 | XXXXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXXXX | 304902770 | 18383245669 | 11/18/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Please provide evidence the Tax Deed Case No. XXX listed on Schedule B, Part II, No. 11of the title report has been satisfied. There is no amount associated with this to verify it is the same Tax Redemption being paid on the HUD. | XXX: Tax Redemption uploaded | XXX: Received Tax Redemption |  | Cleared | 11/19/2025 | C A |
| XXX | XXXXX | 304893365 | 18383238343 | 11/18/2025 | Credit | Assets | Insufficient Assets for Reserves | $XXX assets < $XXX minimum assets required for closing costs and reserves. Please provide additional assets. | XX/XX/XXXX: As cash to close required is showing as $XXX + $XXX= $XXX and we have verified assets of $XXX + $XXX= $XXX | XX/XX/XXXX: Verified assets of $XXX from XX/XX/XXXX bank Statement and $XXX from c/o refi of another REO. |  | Cleared | 12/1/2025 | C A |
| XXX | XXXXX | 304859479 | 18385107672 | 11/19/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Preliminary report coverage < $XXX minimum coverage required. Please provide with Updated Preliminary document | XX/XX/XXXX: Updated Title | XX/XX/XXXX: Received Updated Title |  | Cleared | 11/25/2025 | C A |
| XXX | XXXXX | 304859458 | XXXXX-1 | 11/19/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/19/2025 | A |
| XXX | XXXXX | 304859479 | 18385112292 | 11/19/2025 | Credit | Assets | Undocumented Large Deposit/Increase | Missing sourcing for multiple large deposits into the following accounts: XXX accts #XXX, #XXX, #XXX, and #XXX. We're unable to determine if these deposits are considered normal business practice for these entities. Per guides, "When bank Statements are used, large deposits must be evaluated; large deposits are defined as any single deposit that exceeds more than XXX% of the monthly average deposit balance, and they must be sourced based upon Section XX/XX/XXXX of this Guide." | XXX: Per guidelines, UW does not note as a red flag | XXX: UW does not note as a red flag |  | Cleared | 11/21/2025 | C A |
| XXX | XXXXX | 304859479 | 18385121955 | 11/19/2025 | Credit | Assets | Asset Documentation Missing or Defective | Missing Operating Agreement for XXX acct #XXX. | XXX: Uploaded Operating Agreement | XXX: Received OA |  | Cleared | 12/2/2025 | D A |
| XXX | XXXXX | 304859479 | 18385125441 | 11/19/2025 | Credit | Borrower and Mortgage Eligibility | Non-Arms Length Transaction | Per guides, this is an ineligible transaction as the borrower is an owner of XXX, listed as the seller. Per guides, "When the property seller is a corporation, partnership or any other business entity it must be ensured that the borrower is not an owner of the business entity selling the property." | XXX: Uploaded Exception Waiver | XXX: Exception Waiver received | Reserves: XXX months, Credit Score XXX Income DTI: XXX | Acknowledged | 12/1/2025 | C B |
| XXX | XXXXX | 304893256 | XXXXX-1 | 11/20/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/20/2025 | A |
| XXX | XXXXX | 304902531 | XXXXX-1 | 11/25/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/25/2025 | A |
| XXX | XXXXX | 304893120 | XXXXX-1 | 12/8/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/8/2025 | A |
| XXX | XXXXX | 304871701 | XXXXX-1 | 12/9/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/9/2025 | A |
| XXX | XXXXX | 304902569 | XXXXX-1 | 12/9/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/9/2025 | A |
| XXX | XXXXX | 304902460 | XXXXX-1 | 12/12/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/12/2025 | A |
| XXX | XXXXX | 304871664 | XXXXX-1 | 12/12/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/12/2025 | A |
| XXX | XXXXX | 304859445 | XXXXX-1 | 12/15/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/15/2025 | A |
| XXX | XXXXX | 304875809 | 10788650611 | 12/16/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Coverage of XXX < minimum XXX required. Replacement cost estimator in the file reflects reconstruction cost of XXX | XXX: Uploaded updated Hazard Coverage | XXX: Received updated Hazard Coverage |  | Cleared | 12/19/2025 | C A |
| XXX | XXXXX | 304844215 | 10788396452 | 12/16/2025 | Credit | Credit | Credit Report Aged | Credit report for borrower XXX is aged XXX days. Please provide updated credit report. | XXX: Exception waiver in file | XXX: Exception waiver in file | Clean credit history w/no lates, XXX mo. reserves from borrower's funds, DSCR >XXX, Value supported w/no variance | Acknowledged | 1/2/2026 | C B |
| XXX | XXXXX | 304844215 | 10788380539 | 12/16/2025 | Credit | Borrower and Mortgage Eligibility | Excessive LTV Ratio | 75.00% LTV >XXX% Max LTV for subject property in declining market. | XXX: Exception waiver in file | XXX: Exception waiver in file | Clean credit history w/no lates, XXX mo. reserves from borrower's funds, DSCR >XXX, Value supported w/no variance | Acknowledged | 1/2/2026 | C B |
| XXX | XXXXX | 304893137 | 10801098522 | 12/17/2025 | Credit | Borrower and Mortgage Eligibility | Property Listed for Sale on Refinance Transaction | Property was listed for sale and deactivated the listing after the refinance application date. | XXX: Exception waiver in file | XXX: Exception waiver in file | DSCR >XXX, XXX mo reserves from borrower funds, Mtg histort verified XXX onn both mgt accts, rate reduction from XXX% to XXX% with decrease in P&I pmt | Acknowledged | 12/17/2025 | C B |
| XXX | XXXXX | 304902389 | XXXXX-1 | 12/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/17/2025 | A |
| XXX | XXXXX | 304875873 | 10808675006 | 12/18/2025 | Credit | Borrower and Mortgage Eligibility | Guarantor Identification Missing or Defective | Missing signed Resolution from all members of XXX | XXX: Resolution uploaded | XXX: Received resolution |  | Cleared | 12/2/2025 | C A |
| XXX | XXXXX | 304902502 | 10812266959 | 12/18/2025 | Credit | Credit | Closing Documentation Missing or Defective | Missing Security Instrument, Prepayment Addendum, Riders, and Note (Missing Page XXX&XXX of Note Document) | XXX: Uploaded Closing Package | XXX: Received Closing Package |  | Cleared | 12/22/2025 | D A |
| XXX | XXXXX | 304908738 | 10814046681 | 12/18/2025 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for Subject Property: XXX-XXX | XXX: Uploaded BPO | XXX: Received BPO |  | Cleared | 12/22/2025 | D A |
| XXX | XXXXX | 304902514 | XXXXX-1 | 12/19/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/19/2025 | A |
| XXX | XXXXX | 304893169 | XXXXX-1 | 12/23/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/23/2025 | A |
| XXX | XXXXX | 304893075 | XXXXX-1 | 12/23/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/23/2025 | A |
| XXX | XXXXX | 304893073 | XXXXX-1 | 12/23/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/23/2025 | A |
| XXX | XXXXX | 304893153 | XXXXX-1 | 12/30/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/30/2025 | A |
| XXX | XXXXX | 304893063 | XXXXX-1 | 12/31/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/31/2025 | A |
| XXX | XXXXX | 304902506 | XXXXX-1 | 1/7/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 1/7/2026 | A |
| XXX | XXXXX | 305037620 | XXXXX-1 | 1/16/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 1/16/2026 | A |
| XXX | XXXXX | 305037785 | XXXXX-1 | 1/16/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 1/16/2026 | A |
| XXX | XXXXX | 305037779 | XXXXX-1 | 1/19/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 1/19/2026 | A |
| XXX | XXXXX | 305037694 | XXXXX-1 | 1/19/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 1/19/2026 | A |
| XXX | XXXXX | 305037580 | XXXXX-1 | 1/19/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 1/19/2026 | A |
| XXX | XXXXX | 304891093 | XXXXX-1 | 1/19/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 1/19/2026 | A |
| XXX | XXXXX | 305037782 | XXXXX-1 | 1/20/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 1/20/2026 | A |
| XXX | XXXXX | 305037760 | 11073446514 | 1/22/2026 | Credit | Loan Documentation | Entity Documentation - Missing or Defective | Missing Operating Agreement for Entity: XXX | XXX: Confirmation of no Operating Agreement | XXX: Received confirmation that no Operating Agreement exists and the borrowers are the only agents listed on the Articles. |  | Cleared | 1/23/2026 | D A |
| XXX | XXXXX | 305037613 | 11137466662 | 1/29/2026 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX | XXX: Deed uploaded | XXX: Received Deed |  | Cleared | 1/30/2026 | D A |
| XXX | XXXXX | 305037691 | XXXXX-1 | 1/29/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 1/29/2026 | A |
| XXX | XXXXX | 304454336 | XXXXX-1 | 11/26/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 11/26/2024 | A |
| XXX | XXXXX | 304511347 | XXXXX-1 | 2/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 2/25/2025 | A |
| XXX | XXXXX | 304638062 | XXXXX-1 | 3/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/6/2025 | A |
| XXX | XXXXX | 304638176 | XXXXX-1 | 3/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/20/2025 | A |
| XXX | XXXXX | 304638006 | XXXXX-1 | 3/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/21/2025 | A |
| XXX | XXXXX | 304748517 | 9446051647 | 6/24/2025 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for: XXX | XX/XX/XXXX-Pleae see attached BPO | XXX: Received BPO |  | Cleared | 6/25/2025 | D A |
| XXX | XXXXX | 304736230 | XXXXX-1 | 7/3/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/3/2025 | A |
| XXX | XXXXX | 304757830 | XXXXX-1 | 8/7/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304757655 | 9811500223 | 8/13/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX and XXX | XX/XX/XXXX: see warranty deed | XXX: Received warranty deed |  | Cleared | 8/15/2025 | D A |
| XXX | XXXXX | 304757655 | 9811507251 | 8/13/2025 | Credit | Borrower and Mortgage Eligibility | Excessive LTV Ratio | 70% LTV > 65% LTV Limit. LTV limit derived from XXX FICO Purchase Limit of XXX% with XXX% reduction for STR. | XXX: updated NQM screenshot showing the exception that was given by Loan stream | XXX: Received exceptioin approval XXX: Please upload approved exception waiver document in order to waive | Experienced investor; Excess reserves | Acknowledged | 8/4/2025 | C B |
| XXX | XXXXX | 304763786 | 9823898291 | 8/14/2025 | Credit | Credit | Credit Report Missing or Defective | Missing credit report for Co-Borrower : XXX | XXX: borrower is not on the loan. | XXX: Member is a non-guarantor. Credit Report not required per LS email. XXX: Loan is closing in Entity: "XXX" with both members signing the Note (pg. XXX in loan file). This includes co-borrower XXX, please upload Credit report. |  | Cleared | 8/21/2025 | D A |
| XXX | XXXXX | 304818184 | XXXXX-1 | 8/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/22/2025 | A |
| XXX | XXXXX | 304764030 | XXXXX-1 | 8/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/22/2025 | A |
| XXX | XXXXX | 304818142 | 9905511462 | 8/26/2025 | Credit | Borrower and Mortgage Eligibility | Excessive LTV Ratio | 85% LTV > 80% LTV Limit for XXX FICO Purchase with STR Income | XXX: Exception waiver | XXX: Exception waiver received | XXX FICO, XXX Mortgage History, DSCR above XX/XX/XXXX | Acknowledged | 8/27/2025 | C B |
| XXX | XXXXX | 304875915 | 9906206575 | 8/26/2025 | Credit | Borrower and Mortgage Eligibility | Entity Documentation - Missing or Defective | Borrower is an individual, but is using an XXX to cover reserves. Please provide Entity Documentation for: XXX | XXX: OA uploaded for XXX | XXX: Operating agreement received |  | Cleared | 8/27/2025 | D A |
| XXX | XXXXX | 304812694 | XXXXX-1 | 8/29/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/29/2025 | A |
| XXX | XXXXX | 304823823 | XXXXX-1 | 8/29/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/29/2025 | A |
| XXX | XXXXX | 304823817 | 9968273714 | 9/3/2025 | Property | Insurance | Flood Insurance Missing or Defective | Missing Flood Insurance for property located at: XXX | XX/XX/XXXX: Flood attached | XXX: Received Flood |  | Cleared | 9/8/2025 | D A |
| XXX | XXXXX | 304818179 | XXXXX-1 | 9/5/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304844143 | XXXXX-1 | 9/5/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304812738 | XXXXX-1 | 9/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/22/2025 | A |
| XXX | XXXXX | 304817988 | 18019610095 | 9/23/2025 | Credit | Assets | Insufficient Assets to Close | $XXX Assets < $$XXX minimum assets required for reserves. Please provide additional assets. | XX/XX/XXXX: Exception approval uploaded | XX/XX/XXXX: Received Exception Approval | DSCR > XXX MTG history verified over XXX months with no lates on all XXX accounts | Acknowledged | 9/25/2025 | C B |
| XXX | XXXXX | 304817988 | 18019613434 | 9/22/2025 | Credit | Credit | Significant Derogatory Credit Event – Requirement Not Met | Credit Report indicates account is delinquent: XXX #XXX is charged off account with balance of XXX LTV 70% > 65% LTV Limit for charge off balance to be left open. | XXX: Exception Waiver in file | XXX: Exception Waiver Received | All mortgages reporting no late in over XXX months, DSCR >XXX, Experienced Investor | Acknowledged | 9/22/2025 | C B |
| XXX | XXXXX | 304812804 | 18036666778 | 9/24/2025 | Property | Property Eligibility | Ineligible Property | Missing evidence of rental listing for vacant Subject Property: XXX | XXX: Listing uploaded | XXX: Received Listing |  | Cleared | 10/1/2025 | D A |
| XXX | XXXXX | 304823827 | XXXXX-1 | 9/29/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/29/2025 | A |
| XXX | XXXXX | 304844219 | 18123523661 | 10/6/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Missing Hazard Insurance Policy Number | XXX: Updated Hazard Insurance | XXX: Received Insurance |  | Cleared | 10/8/2025 | C A |
| XXX | XXXXX | 304844219 | 18123520636 | 10/6/2025 | Credit | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement - XXX | XXX: The operating agreement is not required in the State of XXX, but all LLC docs support that borrower is the authorized member of the LLC | XXX: Received confirmation |  | Cleared | 10/8/2025 | D A |
| XXX | XXXXX | 304823605 | XXXXX-1 | 10/9/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/9/2025 | A |
| XXX | XXXXX | 304859658 | 18174409934 | 10/13/2025 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for Subject Property: XXX | XXX: Appraisal review uploaded | XXX: Received appraisal review |  | Cleared | 10/14/2025 | D A |
| XXX | XXXXX | 304844026 | XXXXX-1 | 10/14/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/14/2025 | A |
| XXX | XXXXX | 304859670 | XXXXX-1 | 10/16/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/26/2025 | A |
| XXX | XXXXX | 304843897 | XXXXX-1 | 10/16/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/16/2025 | A |
| XXX | XXXXX | 304843954 | 18237613203 | 10/21/2025 | Credit | Borrower and Mortgage Eligibility | Guarantor Identification Missing or Defective | Missing proof of legal status for borrower: XXX | XXX: Green card | XXX: Received green card |  | Cleared | 12/5/2025 | D A |
| XXX | XXXXX | 304859506 | 18245560082 | 10/22/2025 | Credit | Loan Documentation | Closing Documentation Missing or Defective | Missing Note, Prepayment Addendum, and Deed of Trust | XXX: Closing documentation | XXX: Received closing documentation |  | Cleared | 10/23/2025 | D A |
| XXX | XXXXX | 304844057 | 18248712898 | 10/22/2025 | Credit | Borrower and Mortgage Eligibility | Guarantor Identification Missing or Defective | Missing proof of legal status for borrower: XXX. EAD card in the file expired XX/XX/XXXX | XXX: attached are immigration docs to show work authorization was extended | XXX: Received documentation |  | Cleared | 10/29/2025 | D A |
| XXX | XXXXX | 304843954 | 18237619574 | 10/21/2025 | Credit | Assets | Undocumented Large Deposit/Increase | Large deposits of XXX and XXX reflected as pending on the XX/XX/XXXX transaction summary for account #XXX | XXX: Uploaded updated bank Statement | XXX: Received updated bank Statement |  | Cleared | 12/22/2025 | C A |
| XXX | XXXXX | 304843954 | 18237624174 | 10/21/2025 | Credit | Assets | Asset Documentation Missing or Defective | Missing LOE granting borrower full access to XXX account | XXX: Exception approval uploaded | XXX: Received Exception Approval | DSCR > XXX LTV under XXX% P&I savings XXX a mo, rate XXX% to XXX% Housing History XXX | Acknowledged | 12/31/2025 | D B |
| XXX | XXXXX | 304859569 | XXXXX-1 | 10/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304871889 | 18267126952 | 10/24/2025 | Credit | Borrower and Mortgage Eligibility | Guarantor Identification Missing or Defective | Missing proof of legal status for borrower: XXX | XXX: Valid identification | XXX: Received valid ID |  | Cleared | 10/27/2025 | D A |
| XXX | XXXXX | 304871852 | XXXXX-1 | 10/29/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/29/2025 | A |
| XXX | XXXXX | 304871838 | XXXXX-1 | 10/29/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/29/2025 | A |
| XXX | XXXXX | 304871954 | XXXXX-1 | 10/30/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/30/2025 | A |
| XXX | XXXXX | 304844053 | 18302669475 | 10/29/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Deed | XXX: Received Deed |  | Cleared | 11/11/2025 | D A |
| XXX | XXXXX | 304866876 | 18193243663 | 10/15/2025 | Credit |  | Excessive LTV Ratio | 84.82% LTV > XXX% limit for Purchase Transaction with a loan amount of XXX | XXX: Exception approval uploaded | XXX: Received exception approval | XXX months reserves greater than program requirement, FICO XXX points greater than program requirement, VOR/VOM XXX (Checks for private) | Acknowledged | 10/17/2025 | C B |
| XXX | XXXXX | 304325913 | XXXXX-01 | 6/11/2024 | Credit |  | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |
| XXX | XXXXX | 304866919 | 8692640643 | 3/13/2025 | Credit |  | Maximum Borrower Exposure Exceeded | Borrower exposure exceeds guideline for single borrower | XXX: NQM exception approval in file | XXX: NQM exception approval received | XXX months reserves greater than program requirement, FICO XXX points greater than program requirement | Acknowledged | 3/13/2025 | C B |
| XXX | XXXXX | 304866921 | 8692640920 | 3/13/2025 | Credit |  | Maximum Borrower Exposure Exceeded | Borrower exposure exceeds guideline for single borrower | XXX: NQM exception approval in file | XXX: NQM exception approval received | XXX months reserves greater than program requirement, FICO XXX points greater than program requirement | Acknowledged | 3/13/2025 | C B |
| XXX | XXXXX | 304866918 | 8692641043 | 3/13/2025 | Credit |  | Maximum Borrower Exposure Exceeded | Borrower exposure exceeds guideline for single borrower | XXX: NQM exception approval in file | XXX: NQM exception approval received | XXX months reserves greater than program requirement, FICO XXX points greater than program requirement | Acknowledged | 3/13/2025 | C B |
| XXX | XXXXX | 304756995 | XXXXX-01 | 7/21/2025 | Credit |  | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |
| XXX | XXXXX | 304757217 | XXXXX-01 | 8/8/2025 | Credit |  | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |

---

## Exhibit 99.19

**Exhibit 99.19**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Initial DBRS Compliance Loan Grade** | **Final DBRS Compliance Loan Grade** | **Initial Moody's Compliance Loan Grade** | **Final Moody's Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Kroll Compliance Loan Grade** | **Final Kroll Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304392913 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392906 | XXXXX C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392902 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392878 | XXXXX C B | C | A B C | C | A B C | C | A B C | C | A B C | C | A B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392847 | XXXXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304392744 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392716 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392700 | XXXXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392679 | XXXXX B | A | A B | A | A B | A | A B | A | A B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304973615 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304839428 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866587 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304891053 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304891152 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304897280 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304873944 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304873984 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304877937 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304877932 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304879043 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893420 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304896720 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304897015 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893925 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304897438 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304907267 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304848638 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304897267 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304891043 | XXXXX B | A | A B | A | A B | A | A B | A | A B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304892642 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304484725 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757125 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757105 | XXXXX B A | A | A B | A | A B | A | A B | A | A B | A | A B | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757130 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304898177 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898175 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898168 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898165 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898157 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898154 | XXXXX D A | B | A D | B | A D | B | A D | B | A D | B | A D | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898128 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898123 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898116 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898114 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898091 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304375552 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638280 | XXXXX D B | C | A C D B | C | A C D B | C | A C D B | C | A C D B | C | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304489855 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638015 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304695154 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304704749 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304704677 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735966 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875922 | XXXXX D B A | A | A C B D | A | A C B D | A | A C B D | A | A C B D | A | A C B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757730 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757592 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902813 | XXXXX D A | A | A C D | A | A C D | A | A C D | A | A C D | A | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823801 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812712 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823784 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812665 | XXXXX D A | D | A D | D | A D | D | A D | D | A D | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823766 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823745 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304844230 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812555 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844220 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893379 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818019 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875913 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818001 | XXXXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893378 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304817902 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823664 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859740 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823586 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823570 | XXXXX D A B | D | A D B | D | A D B | D | A D B | D | A D B | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304844182 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859734 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823460 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902803 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871948 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871946 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304844078 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875903 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871941 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859704 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859695 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859688 | XXXXX C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871935 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304843978 | XXXXX B | A | A B | A | A B | A | A B | A | A B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304843919 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843915 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859660 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902797 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859654 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871921 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859647 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859632 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871915 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871912 | XXXXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871911 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871904 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859600 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902793 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875885 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871891 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875883 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893358 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875877 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871870 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859565 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859547 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859542 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871859 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859536 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871856 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902782 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859531 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859530 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859528 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859519 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871840 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859468 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902767 | XXXXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors |
| 304871821 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871820 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871815 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871810 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875822 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875821 | XXXXX B A | A | A B | A | A B | A | A B | A | A B | A | A B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871776 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871775 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893302 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875806 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902738 | XXXXX D B A | C | B C A D | C | B C A D | C | B C A D | C | B C A D | C | B C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871746 | XXXXX C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871741 | XXXXX D A | D | A D | D | A D | D | A D | D | A D | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875796 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823567 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871730 | XXXXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871729 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871713 | XXXXX C B | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893283 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871704 | XXXXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902726 | XXXXX D A | A | A C D | A | A C D | A | A C D | A | A C D | A | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902724 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875779 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871678 | XXXXX D A | D | A D | D | A D | D | A D | D | A D | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871677 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875771 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871665 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893261 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871653 | XXXXX D B A | C | B A D | C | B A D | C | B A D | C | B A D | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871644 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875761 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871637 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902697 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875752 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304871636 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902696 | XXXXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902695 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875749 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902683 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875727 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902679 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902678 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875713 | XXXXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875710 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902675 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902673 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893221 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902671 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902667 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875699 | XXXXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893194 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875679 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902641 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902638 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875675 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875673 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893183 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893182 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902631 | XXXXX C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902625 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902613 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871878 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902608 | XXXXX D A | D | A D | D | A D | D | A D | D | A D | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902600 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902594 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902580 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902579 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902576 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902575 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902560 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893049 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893047 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902549 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893039 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893038 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902545 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902543 | XXXXX B | A | A B | A | A B | A | A B | A | A B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902541 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902510 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902493 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902477 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902474 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902456 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902448 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902444 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902440 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902436 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902407 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902400 | XXXXX B | A | A B | A | A B | A | A B | A | A B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902385 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037812 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037794 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037787 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037781 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037777 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037775 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037736 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037731 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037725 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037720 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037717 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037705 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037700 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037689 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037676 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037669 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037666 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037658 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495514 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495480 | XXXXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757253 | XXXXX C B | B | A C B | B | A C B | B | A C B | B | A C B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757215 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304828021 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866933 | XXXXX D B | B | A D B | B | A D B | B | A D B | B | A D B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866925 | XXXXX C B | B | A C B | B | A C B | B | A C B | B | A C B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495397 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495366 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866912 | XXXXX C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304846059 | XXXXX D A | B | A D | B | A D | B | A D | B | A D | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495327 | XXXXX C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866839 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866837 | XXXXX C A B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305023984 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305030766 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029598 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304896362 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305043895 | XXXXX C B A | C | B C A | C | B C A | C | B C A | C | B C A | C | B C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893888 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305013544 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893887 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304887757 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304889380 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304879080 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305031555 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304933491 | XXXXX A | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304905082 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305025793 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897056 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304904246 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893877 | XXXXX D B A | D | B A D | D | B A D | D | B A D | D | B A D | D | B A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898402 | XXXXX D A | A | A C D | A | A C D | A | A C D | A | A C D | A | A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898914 | XXXXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304973616 | XXXXX D B A | B | B A D | B | B A D | B | B A D | B | B A D | B | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305013270 | XXXXX D B A | D | B D A | D | B D A | D | B D A | D | B D A | D | B D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305012530 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305027375 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305024961 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305028471 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305030500 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305030690 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305031261 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305031322 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305033612 | XXXXX D B | C | A D B | C | A D B | C | A D B | C | A D B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305033664 | XXXXX D B | C | A D B | C | A D B | C | A D B | C | A D B | C | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305036073 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304909525 | XXXXX B A | A | A B | A | A B | A | A B | A | A B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305012466 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304909090 | XXXXX D A | A | A C D | A | A C D | A | A C D | A | A C D | A | A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852949 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304876518 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872523 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304892985 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304894000 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893828 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866958 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304889924 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898952 | XXXXX D B A | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304867461 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304867365 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898963 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304849215 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304889794 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304899029 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304904427 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897426 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897602 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304366875 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848509 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304095987 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304369602 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459204 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459356 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304493266 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641307 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304701029 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700216 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304481435 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685820 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304736162 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304723761 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304842887 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304834680 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845368 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304833599 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824144 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847862 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304833608 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304833609 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866792 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855023 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860688 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846516 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862129 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843768 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872522 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748769 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304776843 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304856490 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304856481 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304856482 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843764 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304856477 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898299 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897348 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855089 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897352 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897600 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898419 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897427 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304904449 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897424 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304933506 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828418 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304904533 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897351 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811640 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898613 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779639 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779626 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898614 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728880 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898612 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898557 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898610 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898615 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898604 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898587 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898591 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871927 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871668 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871666 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893330 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859489 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871656 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893252 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902779 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902778 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893333 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902649 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893365 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902770 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902669 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859479 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859458 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893256 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902531 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893120 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871701 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902569 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871664 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902460 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859445 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844215 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875809 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893137 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902389 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875873 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304908738 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902502 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902514 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893169 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893075 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893073 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893153 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893063 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902506 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037785 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037620 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304891093 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037779 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037694 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037580 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037782 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037760 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037613 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037691 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304454336 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511347 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638062 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638176 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638006 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748517 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304736230 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757830 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757655 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304763786 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818184 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304764030 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818142 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875915 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812694 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823823 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823817 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818179 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844143 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812738 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304817988 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812804 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823827 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844219 | XXXXX D A | N/A | N/A C D | N/A | N/A C D | N/A | N/A C D | N/A | N/A C D | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823605 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859658 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844026 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859670 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843897 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843954 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859506 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844057 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871889 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859569 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871852 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871838 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844053 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871954 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866876 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304325913 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866919 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866921 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866918 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756995 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757217 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |

---

## Exhibit 99.20

**Exhibit 99.20**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 304392913 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392906 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304392902 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392878 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 72.45 | 89.99 | XXX | XXX | .0171 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0171 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304392847 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | XXX | XXX | .0100 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0100 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304392744 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392716 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 | XXX | XXX | -.0067 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0067 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392700 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 74.75 | 74.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392679 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304973615 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304839428 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.06 | 53.06 | XXX | XXX | -.0441 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0441 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866587 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 71.3 | 71.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304891053 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304891152 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.79 | 45.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 304897280 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304873944 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.82 | 75.82 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304873984 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.42 | 19.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304877937 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 304877932 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304879043 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304893420 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304896720 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304897015 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304893925 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304897438 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 35.52 | 35.52 | XXX | XXX | -.0474 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0474 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304907267 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 304848638 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304897267 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.21 | 63.21 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304891043 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304892642 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.47 | 76.47 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 304484725 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304757125 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.91 | 79.91 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304757105 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 304757130 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304898177 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 304898175 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304898168 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304898165 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304898157 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304898154 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898128 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304898123 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304898116 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304898114 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.9 | 89.9 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304898091 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304375552 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304638280 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.21 | 74.21 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304489855 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 304638015 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304695154 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304704749 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304704677 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735966 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 304875922 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304757730 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757592 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304902813 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 304823801 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.52 | 74.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304812712 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304823784 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 304812665 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.01 | 63.01 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 304823766 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304823745 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 304844230 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304812555 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304844220 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304893379 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304818019 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875913 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 304818001 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893378 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304817902 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.29 | 64.29 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 304823664 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 304859740 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304823586 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.7 | 69.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304823570 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.55 | 63.55 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304844182 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 304859734 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.33 | 33.33 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 304823460 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.0 | 74.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304902803 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304871948 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871946 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.89 | 84.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304844078 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.06 | 64.06 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304875903 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.22 | 57.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 304871941 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 83.83 | 83.83 |  |  |  |  |  |  |  |  | XXX | XXX | .0076 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 304859704 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 304859695 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.48 | 61.48 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304859688 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304871935 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304843978 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304843919 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304843915 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.11 | 69.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304859660 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902797 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 304859654 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304871921 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304859647 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304859632 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304871915 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.64 | 50.64 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 304871912 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304871911 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  | XXX | XXX | .0508 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 304871904 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304859600 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902793 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875885 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 304871891 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875883 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.31 | 52.31 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 304893358 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304875877 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 304871870 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304859565 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304859547 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304859542 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304871859 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 304859536 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 304871856 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902782 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.45 | 62.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304859531 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.81 | 78.81 | XXX | XXX | -.0148 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0148 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 304859530 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 304859528 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.99 | 73.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 304859519 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304871840 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 304859468 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902767 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304871821 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871820 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304871815 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871810 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 304875822 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.4 | 54.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304875821 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871776 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871775 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.11 | 71.11 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 304893302 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875806 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902738 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304871746 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.57 | 42.57 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 304871741 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875796 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 304823567 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304871730 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304871729 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304871713 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304893283 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304871704 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 304902726 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.21 | 77.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902724 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304875779 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.86 | 62.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871678 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 79.05 | 79.05 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304871677 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.01 | 46.01 | XXX | XXX | -.0958 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0958 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304875771 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304871665 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  | XXX | XXX | .0261 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 304893261 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.99 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871653 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304871644 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875761 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304871637 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 304902697 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 304875752 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304871636 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902696 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902695 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875749 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 304902683 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 10-30-2025 | Eligible | 1 |  |
| 304875727 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304902679 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 304902678 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304875713 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.91 | 84.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875710 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902675 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902673 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.74 | 55.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304893221 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 304902671 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902667 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304875699 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304893194 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304875679 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304902641 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.56 | 66.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304902638 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875675 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.07 | 62.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304875673 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304893183 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893182 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.0 | 65.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902631 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902625 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902613 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304871878 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304902608 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902600 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | -.0152 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0152 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 304902594 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 304902580 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902579 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 304902576 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902575 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | .0000 | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 304902560 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 304893049 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304893047 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.52 | 63.52 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 304902549 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893039 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 304893038 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902545 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902543 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304902541 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902510 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.12 | 79.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 304902493 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902477 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304902474 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902456 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304902448 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304902444 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 304902440 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 304902436 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.99 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304902407 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902400 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  | XXX | XXX | .0331 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 304902385 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.79 | 54.79 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305037812 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 305037794 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 305037787 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037781 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 305037777 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.95 | 64.95 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 305037775 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 305037736 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305037731 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305037725 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.33 | 77.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 305037720 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037717 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 305037705 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037700 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 305037689 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 305037676 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305037669 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0082 | 1004 URAR |  |  |  |  | XXX | XXX | .0082 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305037666 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 305037658 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 304495514 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304495480 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304757253 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.9 | 58.9 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304757215 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | XXX | XXX | .0082 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0082 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304828021 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 304866933 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 83.33 | 83.33 | XXX | XXX | -.0085 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0085 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 304866925 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | -.0143 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0143 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 304495397 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304495366 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 304866912 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304846059 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304495327 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304866839 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.07 | 74.07 | XXX | XXX | .1534 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1534 | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304866837 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305023984 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030766 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 60.0 | 60.0 | XXX | XXX | -.0968 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0968 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029598 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.73 | 64.73 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| 304896362 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.78 | 79.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 305043895 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304893888 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.81 | 64.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305013544 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893887 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.9 | 67.9 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304887757 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0059 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0059 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304889380 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | -.0438 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0438 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304879080 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.59 | 70.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 305031555 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.96 | 54.96 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304933491 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.31 | 84.31 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 304905082 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305025793 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.56 | 55.56 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304897056 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.77 | 74.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304904246 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.59 | 77.59 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 304893877 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 304898402 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898914 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304973616 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 305013270 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | -0.1397 | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 305012530 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305027375 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305024961 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.08 | 77.08 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 305028471 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305030500 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305030690 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 305031261 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.37 | 79.37 |  |  |  |  |  |  |  |  | XXX | XXX | .0156 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 305031322 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 305033612 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305033664 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 305036073 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304909525 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305012466 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304909090 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 77.5 | 77.5 | XXX | XXX | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304852949 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304876518 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304872523 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304892985 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0200 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304894000 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304893828 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304866958 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.76% | 60.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304889924 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898952 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304867461 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71B | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304867365 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898963 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304849215 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Narrative | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304889794 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304899029 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0645 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304904427 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304897426 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304897602 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304366875 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848509 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304095987 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.07% | 64.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304369602 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304459204 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.21% | 65.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304459356 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0125 | 90.0 | 0.10 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304493266 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304641307 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304701029 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304700216 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 78.83% | 78.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304481435 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304685820 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304736162 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304723761 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1.4 |  |
| 304842887 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304834680 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304845368 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304833599 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.53% | 75.53% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824144 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.95% | 75.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304847862 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304833608 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.72% | 64.72% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304833609 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.33% | 61.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0444 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304866792 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304855023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304860688 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 39.39% | 39.39% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304846516 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 46.15% | 46.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304862129 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | 3.3 |  |
| 304843768 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304872522 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304748769 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304776843 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 2.1 |  |
| 304856490 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304856481 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304856482 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304843764 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 79.80% | 79.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304856477 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304898299 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304897348 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0498 | 94.0 | 0.06 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304855089 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304897352 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304897600 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304898419 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304897427 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304904449 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304897424 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304933506 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 52.38% | 52.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304828418 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304904533 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304897351 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304811640 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898613 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0264 | 96.0 | 0.04 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779639 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779626 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898614 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0208 | 96.0 | 0.04 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728880 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.30% | 79.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898612 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898557 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898610 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898615 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898604 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898587 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 67.50% | 67.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898591 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304871927 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304871668 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.90% | 69.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304871666 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304893330 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304859489 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 67.45% | 67.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871656 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 2.2 |  |
| 304893252 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304902779 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902778 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893333 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 64.71% | 64.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902649 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893365 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902770 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 57.78% | 57.78% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304902669 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304859479 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 304859458 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 56.75% | 56.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893256 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304902531 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 55.84% | 55.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893120 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.43% | 64.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304871701 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304902569 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871664 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902460 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304859445 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.26% | 64.26% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304844215 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 304875809 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893137 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304902389 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304875873 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304908738 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0519 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902502 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902514 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 304893169 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.78% | 73.78% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893075 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304893073 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304893153 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304893063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902506 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305037785 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037620 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 74.86% | 74.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304891093 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 74.46% | 74.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0323 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037779 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037694 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 305037580 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037782 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037760 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0267 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible | 2.8 |  |
| 305037613 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305037691 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304454336 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304511347 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304638062 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304638176 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 56.60% | 56.60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304638006 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304748517 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0385 |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304736230 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.99% | 64.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304757830 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 54.04% | 54.04% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304757655 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0795 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 304763786 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 66.59% | 66.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304818184 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  | XXX | XXX | 0.0930 | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304764030 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304818142 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304875915 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304812694 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304823823 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304823817 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 304818179 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 304844143 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 304812738 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304817988 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304812804 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 59.20% | 59.20% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304823827 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304844219 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.0547 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible | 2.7 |  |
| 304823605 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 69.84% | 69.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304859658 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0229 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304844026 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0986 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304859670 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.10% | 68.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304843897 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 304843954 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.56% | 73.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304859506 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304844057 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304871889 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.36% | 64.36% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304859569 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304871852 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1.4 |  |
| 304871838 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304844053 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304871954 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.73% | 63.73% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304866876 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 84.82% | 84.82% | XXX | XXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304325913 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304866919 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Narrative | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  | XXX | XXX | 0.0351 | XX/XX/XXXX | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304866921 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Narrative | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304866918 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Narrative | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304756995 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757217 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | XXX | XXX | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |

---

## Exhibit 99.21

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

**Exhibit 99.21**

![](ex9921001.jpg)

Executive Summary <br> JPMMT 2026-NQX1

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

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The mortgage loans were originated by one loan seller (the "Seller") and acquired directly (or indirectly) by JPMorgan Chase Bank, National Association through a Reliance Letter. The loan reviews were conducted in May 2024 and November 2024.

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

There are 2 assets in the loan population.

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Third-Party Due- Diligence Criteria and Representations & Warranties for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Criteria dated October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US RMBS Rating Methodology, dated December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US Residential Mortgage-backed Securitizations, dated August 20, 2025 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019 <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025  |

---

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

Page 1 of 10

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

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

The due diligence review was conducted on 100% of the mortgage loan population and consisted of 2 mortgage loans with an aggregate original principal balance of approximately $755,000. The mortgage loans originated in April 2024 and November 2024..

&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:

**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).

Page 2 of 10

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

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

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 Uniform Collateral Data Portal Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or a secondary enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from an approved AMC was required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from an approved AMC is acceptable. 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 an approved AMC. All ARR or CDA documentation provided by an 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 mortgage 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 mortgage 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 ("AMC") for valuation support. All mortgage 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.

Page 3 of 10

**Compliance Review Methodology**

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

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

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

Qualified Mortgage (12 CFR § 1026.43)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

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

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

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

Page 4 of 10

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

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

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

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

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

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

Initial Closing Disclosure Timing Requirements

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

Initial Closing Disclosure Timing & Changed Circumstances Requirements

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

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

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

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

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

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

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

Revised Closing Disclosure Timing & Changed Circumstances Requirements

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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. Mortgage loans are classified into one of the following categories:

&nbsp;&nbsp;&nbsp;&nbsp;(i) QM/Non-Higher Priced Mortgage Loan (safe harbor): Mortgage loans that meet the rule's definition of a QM and are eligible for safe harbor protection, (ii) QM/GSE Temporary (safe harbor) – Mortgage loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition (iii) QM/High Priced Mortgage Loan (rebuttable presumption): Mortgage loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection, (iv) QM/GSE Temporary (rebuttable presumption) - Mortgage loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (v) Non-QM Compliant: Mortgage loans that do not meet the QM definition but fully comply with the ATR rule, (vi) Non- QM/Non-Compliant: Mortgage loans that do not meet the QM definition and do not comply with the ATR rule, and (vii) Not Covered/Exempt: Mortgage 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. Mortgage loans in the population were reviewed to the new General QM requirements.

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

---

| | | |
|:---|:---|:---|
| | **Count** | **Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | 0 | 0.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | 0 | 0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | 2 | 100.00% |

---

**Document Review** 

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

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;● Appraisal. |
| &nbsp;&nbsp;&nbsp;&nbsp;● Asset documentation. <br> &nbsp;&nbsp;&nbsp;&nbsp;● Business Purpose Certification (if applicable)  |
| &nbsp;&nbsp;&nbsp;● Changed circumstance documentation. |
| &nbsp;&nbsp;&nbsp;● Credit report. |
| &nbsp;&nbsp;&nbsp;● FACTA disclosures. |
| &nbsp;&nbsp;&nbsp;● Final 1003. |
| &nbsp;&nbsp;&nbsp;● Final HUD-1/Closing Disclosure(s). |
| &nbsp;&nbsp;&nbsp;● Hazard and/or flood insurance policies. |
| &nbsp;&nbsp;&nbsp;● HUD from sale of previous residence. |
| &nbsp;&nbsp;&nbsp;● Homeownership counseling organizations disclosure. |

---

Page 6 of 10

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

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;● Income and employment documentation. |
| &nbsp;&nbsp;&nbsp;● Initial and final GFE's. |
| &nbsp;&nbsp;&nbsp;● Initial application (1003). |
| &nbsp;&nbsp;&nbsp;● Initial escrow disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;● Initial TIL. <br> &nbsp;&nbsp;&nbsp;&nbsp;● Leases  |
| &nbsp;&nbsp;&nbsp;&nbsp;● Loan Estimate(s). <br> &nbsp;&nbsp;&nbsp;&nbsp;● Market Rent supporting documentation  |
| &nbsp;&nbsp;&nbsp;● Mortgage Insurance. |
| &nbsp;&nbsp;&nbsp;● Mortgage/Deed of Trust. |
| &nbsp;&nbsp;&nbsp;● Note. |
| &nbsp;&nbsp;&nbsp;● Notice of Special Flood Hazards. |
| &nbsp;&nbsp;&nbsp;● Sales contract. |
| &nbsp;&nbsp;&nbsp;● Tangible Net Benefit Disclosure. |
| &nbsp;&nbsp;&nbsp;● Title/Preliminary Title. |
| &nbsp;&nbsp;&nbsp;● 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;Note Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;LTV | &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;&nbsp;&nbsp;QM Type |

---

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 2 mortgage loans reviewed, one unique mortgage loan had two tape discrepancies across the 20 data fields. The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data 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** | **Total** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 2 |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 2 |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 2 |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| &nbsp;&nbsp;QM Type\* | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 2 |
| \* Tape data was not available. | \* Tape data was not available. | \* Tape data was not available. | \* Tape data was not available. |

---

Page 7 of 10

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

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

**Credit Results Summary**

Approximately 100.00% of the mortgage loans by number have a Credit grade of "A".

---

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

---

**Compliance Results Summary**

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

---

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

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a property valuation grade of "A.

---

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

---

**Overall Results Summary**

Approximately 100.00% of all mortgage loans by number received an "A" overall grade.

---

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

---

Page 8 of 10

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Count** | **Percentage** |
| &nbsp;&nbsp;First | 2 | 100.00% |
| &nbsp;&nbsp;**Total** | **2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | 0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | 2 | 100.00% |
| &nbsp;&nbsp;**Total** | **2** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;<br> **Owner Occupied** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Commercial** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Mixed Use** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-60.00%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp; **2** | &nbsp;&nbsp;**100.00%** |

---

Page 9 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp; **LA** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp; **NY** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

Page 10 of 10

## Exhibit 99.22

**Exhibit 99.22**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXXX | 304477296 | 44.16 | 28.42 | DTI | -15.74 | Yes |
| XXXXXXXXXX | 304477296 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |

---

## Exhibit 99.23

**Exhibit 99.23**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Alt Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXXXXXXX | 304477296 | XXXXXXXXX | XXXXXXXXX | Non-QM: Compliant with ATR | Non-QM: Compliant with ATR | Credit | Initial 1003 | Cleared Exception A | 2636 | The initial 1003 is not signed by the borrowers. | No | 12/4/2024: Document provided to cure. | 1003.pdf (Loan Application) was uploaded | Cleared Exception |  |  |  |
| XXXXXXXXX | 304313929 | XXXXXXXXX | XXXXXXXXX | Non-QM: Compliant with ATR | Non-QM: Compliant with ATR | Credit | Warranty Deed / Quit Claim Deed | Cleared Exception A | 2837 | The Warranty/ Grant Deed is not included in the loan file. | No | 05/17/24: Documentation provided to cure. | The Cash Sale is the Warranty Deed per Title co.<br> warranty deed.pdf (Unclassified) was uploaded | Cleared Exception |  |  |  |
| XXXXXXXXX | 304313929 | XXXXXXXXX | XXXXXXXXX | Non-QM: Compliant with ATR | Non-QM: Compliant with ATR | Compliance | Other | Cleared Exception A | 2807 | This loan failed the charges that cannot increase test. The initial LE reflects the Discount Points fee as $XXXX however the final CD reflects the Discount Points fee as $XXXX, for an increase of $XXXX. A change of circumstance for the increased fees was not included in the loan file. | No | 5/19/2024: Document provided to cure. | XXXX_XXXX COC.pdf (Unclassified) was uploaded | Cleared Exception |  |  |  |

---

## Exhibit 99.24

**Exhibit 99.24**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

**Rating Agency Grades: 3/4/2026**

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXX | 304313929 | XXXXXXXX C A |
| XXXXXXXX | 304477296 | XXXXXXXX C A |

---

## Exhibit 99.25

**Exhibit 99.25**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

**ValuationReport**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XXXXXXXXX | 304313929 | XX/XX/XXXX | XXXXXXXXX | 53.45% | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXXXXXXX | 304477296 | XX/XX/XXXX | XXXXXXXXX | 80.00% | Sale Price | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |

---

## Exhibit 99.26

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

**Exhibit 99.26**

Executive Summary

**4. Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from June 2025 to December 2025 and were collateralized by residential real estate and multi-family properties purchased by the applicable mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by JPMorgan Chase Bank, National Association (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the Loans was acquired by the Seller from various lenders a lender through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 5 loans selected by the Client to include in JPMMT 2026-NQX1 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 5 loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Total Debt to Income Ratio |
| &nbsp;&nbsp;Amortized Original Term | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQX1

pg. 1

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

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQX1

pg. 2

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) or (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was
 the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does
 the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does
 the appraisal indicate the appraiser's license or certification, number and expiration
 date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does
 the appraisal disclose any extraordinary assumptions, hypothetical conditions? Does the
 appraisal include a statement of assumptions and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is
 a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does
 the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does
 the appraisal summarize the process used to collect, confirm, and report data?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does
 the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does
 the appraisal clearly identify the real estate being appraised?

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQX1

pg. 3

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does
 the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does
 the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was
 the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which
 of the industry recognized methods of valuation were included that may have been utilized
 to support the institution's decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct
 Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 any of these approaches have been omitted or excluded, is there sufficient explanation
 provided as to why?

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review the "TRID Review". The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending. For the four (4) business purpose loans, no TRID compliance testing was completed, and a compliance grade of "A" was assigned.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

○ Consumer Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

○ Your Home Loan Toolkit (1026.19(g)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

● Provided within 3 business days of application

○ Federal High-cost (1026.32)

● Identify points and fees and/or APR threshold test failures

● Prepayment Penalty restrictions

○ Higher-priced Mortgage Loans (1026.35)

● APR Threshold with the corresponding appraisal and escrow requirements

○ Right of Rescission (1026.23)

● Review accuracy, timing and content of disclosure(s)

● Confirm all requisite consumers received notice and correct form

○ Qualified Mortgage Rule (1026.43(e))

● Perform points and fees test to confirm 3% threshold

● Adherence to Appendix Q and DTI below 43% or Temp QM

● Application Dates of 1/10/2014 to 2/28/2021

● Adherence to Appendix Q and DTI below 43% and/or Temp QM and/or APR/APOR threshold testing

● Application Dates of 3/1/2021 to 6/30/2021

● Adherence to Appendix Q and DTI below 43% and/or APR/APOR threshold testing

● Application Dates of 7/1/2021 to 9/30/2022

● APR/APOR threshold testing

● Application Dates on or after 10/1/2022\*

○ Subject to any guidance updates from regulators

● Loan does not contain "risky feature" (IO, Negative Amortization, etc.)

● Contain a valid and approved AUS, as applicable

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQX1

pg. 4

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

● Ability-to-Repay ("ATR") (1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with the determination. IB objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

● (i) The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan;

● (ii) If the creditor relies on income from the consumer's employment in determining repayment ability, the consumer's current employment status;

● (iii) The consumer's monthly payment on the covered transaction, calculated in accordance with paragraph (c)(5) of this section;

● (iv) The consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph (c)(6) of this section;

● (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 in accordance with paragraph (c)(7) of this section; and

● (viii) The consumer's credit history.

○ TRID (1026.36, 37)

○ Loan Estimate ("LE")

● Initial LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate within seven (7) business days of receipt

● Provided within three (3) business days of a valid Change of Circumstance

● Complete in all material respects

● Contains NMLS ID

● Confirm the "In 5 Years" calculation is not over disclosed

○ Final Closing Disclosure ("CD")

● Confirm creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

● Ensure technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

● Recalculation of the Finance Charge, Amount Financed, Total of Payments ("TOP"), and Total Interest Payments ("TIP")

● Projected Payments - Re-calculation of Principal and Interest payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the correct number of columns

● Adjustable Interest Rate and Adjustable Payment Tables are present, complete and accurate, if applicable

● No fee charged for preparation of LE or CD

● Fee descriptions conform with clear and conspicuous standard

● Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

● Loan Disclosures section is complete – Late Payment matches the note and the escrow section is consistent within the disclosure

○ Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing, including the presence, timing and a validation of a change of circumstance and corresponding fee changes

○ Evidence Service Provider List and Your Home Loan Toolkit, if applicable, were provided or present in the loan file

○ LE and CD form(s) provided to the borrower are consistent across the loan process

○ NMLS ID is present on the loan application, note, security instrument, LE and CD, as applicable

○ Items not tested, include but are not limited to:

● Categorization of fees in the appropriate section

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQX1

pg. 5

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

● Accuracy of information for fields not expressly stated above

● Presence and accuracy of the Seller's Transaction columns on the Seller's columns

○ State High-cost and Predatory lending regulations

○ RESPA disclosures

● Confirm GFE and HUD-1

● Special Information Booklet

● Notice of Servicing Transfer

● Affiliated Business Arrangement Disclosure

● Homeownership Counseling Disclosures

○ Equal Credit Opportunity Act

● Presence, acknowledgement and timing of the Right to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;No | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQX1

pg. 6

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

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Fixed Rate | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQX1

pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Cash Out: Other/Multipurpose/<br> Unknown purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;3 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;PUD (Only for use with Single-Family<br> Detached Homes with PUD riders) | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-NQX1

pg. 8

## Exhibit 99.27

**Exhibit 99.27**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Tape Data | IB Review Value | Discrepancy Comments |
| (redacted) | 304876052 | Total Debt to Income Ratio | 35.51% | 35.50% | Approved DTI (redacted), variance < (redacted) is due to rounding. |
| (redacted) | 305029622 | Appraised Value | (redacted) | (redacted) | Review Value is the appraisal value. Tape Value is the sales price. |
| (redacted) | 305029622 | Investor DTI (DSCR Ratio) | 1.40000 | 1.44056 | Approved DSCR (redacted), variance is non-material. Source of Tape Value is unknown. |
| (redacted) | 305028169 | Investor DTI (DSCR Ratio) | 1.32000 | 1.33836 | Variance is non-material. |

---

## Exhibit 99.28

**Exhibit 99.28**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Seller Name | JPM Loan ID | Exception ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status |
| (redacted) | 304725153 (redacted) | 1116096 | 06/17/2025 | Credit | Missing Final 1003 Application | APP 0001 | 4 | 1 | Closed | Missing Final Application consisting of (redacted) parts, Loan Application / Guarantor Application / Business Purpose Application. Only initial Loan Application was provided. | 06/18/2025 |  |  | 06/18/2025 Agree, finding is cleared with the attached post-consummation dated Loan Application and Guarantor Application. - 06/18/2025 Agree, finding is cleared with the attached post-consummation dated Loan Application and Guarantor Application.<br>06/18/2025 Recd post-consummation dated Loan Application and Guarantor Application. Still missing the Business Purpose section of the application. | Funded D A |
| (redacted) | 304725153 (redacted) | 1116114 | 06/17/2025 | Credit | Missing evidence of property management experience | CRED 0039 | 3 | 1 | Closed | Missing evidence of (redacted)-months property management experience within the most recent (redacted) months. Lease for subject property started (redacted). Operating agreement for property management company is dated (redacted). Ownership > (redacted) months, but property management experience not validated. No property track record provided to document SPR experience.<br>| 07/01/2025 |  |  | 07/01/2025 Recd lease agreement for non-subject REO to document (redacted) months property management experience, lease term (redacted) continuing on a month-to-month basis. - 07/01/2025 Recd lease agreement for non-subject REO to document (redacted) months property management experience, lease term (redacted) continuing on a month-to-month basis.<br> 06/25/2025 Recd list of loans. Missing lease agreement for non-subject rental property to document (redacted) months property management experience. | Funded C A |
| (redacted) | 304876052 (redacted) | 1152413 | 12/02/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 3 | 1 | Closed | Missing letter of explanation to address potential undisclosed REO, (redacted). PDR reflects co-borrower as owner. Missing confirmation from the borrower that the property belongs to (redacted) with shared name. | 12/05/2025 |  |  | 12/05/2025 Finding is cleared with the attached email from borrower confirming the property is owned by his (redacted) whose (redacted) shares the same name. <br> 12/05/2025 Missing LOE addressing no ownership which was conditioned for. | Funded C A |
| (redacted) | 304904382 (redacted) | 1152435 | 12/02/2025 | Credit | Unacceptable Property Zoning | PROP 0008 | 3 | 2 | Acknowledged | Missing investors acknowledgment for the subject property commercial zoning. Per (redacted), Zoning allows for single family use. The subject property, as improved, is designed for a single-unit residential use. Continued use of the existing improvements is legally permissible and physically possible. Continued use of the improvements appears to be financially feasible and to represent the property's maximum productivity. The (redacted) has reviewed the current zoning ordinance and the regulations permit and support the current single family residential use as the highest and best use. -- Per guidelines, Properties zoned commercial or agricultural are ineligible. |  | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 12/05/2025 EV2/B - Investor Acknowledged Exception, current zoning allows for single family use and the continued use of the existing the existing improvements is legally permissible and physically possible. | Funded C B |
| (redacted) | 305029622 (redacted) | 1157085 | 12/30/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 3 | 1 | Closed | Missing qualifying guarantors attestation that the purpose of the borrowing entity, (redacted), is to manage real estate. The operating agreement only states the purpose of the business is to carry on any activity which is lawful under the jurisdiction in which it operates. -- Per guidelines, (redacted) must have been created to manage rental properties only. | 12/31/2025 |  |  | 12/31/2025 Recd borrower LOX confirming that the purpose for forming the borrowing entity was to obtain and manage rental properties. - 12/31/2025 Recd borrower LOX confirming that the purpose for forming the borrowing entity was to obtain and manage rental properties. | Funded C A |
| (redacted) | 305028169 (redacted) | 1157971 | 01/06/2026 | Compliance | Missing personal guarantee(s). | NOTE 0062 | 3 | 2 | Acknowledged | Acknowledged |  |  |  | 01/08/2026 EV2/B - Investor acknowledges the electronically signed guaranty completed post-consummation.<br>01/08/2026 Escalated to investor for review. | Funded C B |

---

## Exhibit 99.29

**Exhibit 99.29**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | |
|:---|:---|:---|:---|:---|
| JPM Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status |
| 304725153 (redacted) | 4 | 1 D A | 3 | Not Covered / Exempt (redacted) |
| 304876052 (redacted) | 3 | 1 C A | 1 | Non-QM / Compliant (redacted) |
| 304904382 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt (redacted) |
| 305029622 (redacted) | 3 | 1 C A | 1 | Not Covered / Exempt (redacted) |
| 305028169 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt (redacted) |

---

## Exhibit 99.30

**Exhibit 99.30**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** |  |  |  |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO 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** | **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** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Variance Amount** | **Variance(%)** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| (redacted) | 304725153 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| (redacted) | 304876052 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| (redacted) | 304904382 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Zoning commercial, SFR allowed (redacted). Photo completed bathroom drywall (redacted). | 1 | 1 |
| (redacted) | 305029622 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| (redacted) | 305028169 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.31

**Exhibit 99.31**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| JPM Loan ID | Loan Status | Final Overall Event Level | Final Credit Event Level | Final Compliance Event Level | Final Property Event Level | Credit Exceptions | Compliance Exceptions | Property Exceptions | Compensating Factors | Immaterial/Waived | Lender Commentary | Cleared Exceptions | Exceptions |
| 304725153 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | APP 0001 Missing Final 1003 Application - Missing Final Application consisting of (redacted) parts, Loan Application / Guarantor Application / Business Purpose Application. Only initial Loan Application was provided. - 06/18/2025 Please note the final application was missed at closing. Attached is the esigned version. <br>06/18/2025 Please note there is no entity on this loan. There is no business purpose application. - 06/18/2025 Agree, finding is cleared with the attached post-consummation dated Loan Application and Guarantor Application.<br>CRED 0039 Missing evidence of property management experience - Missing evidence of (redacted)-months property management experience within the most recent (redacted) months. Lease for subject property started (redacted). Operating agreement for property management company is dated (redacted). Ownership > (redacted) months, but property management experience not validated. No property track record provided to document SPR experience.<br>- 06/25/2025 Please note the attached properties have lease experience as reflected in the background reports. Guarantor has owned the subject property for (redacted) years as well.<br>07/01/2025 Attached is a lease on a property owned by guarantor. - 07/01/2025 Recd lease agreement for non-subject REO to document (redacted) months property management experience, lease term (redacted) continuing on a month-to-month basis.<br>|  |
| 304876052 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | FRAUD 0001 Fraud report alerts have not been addressed - Missing letter of explanation to address potential undisclosed REO, (redacted). PDR reflects co-borrower as owner. Missing confirmation from the borrower that the property belongs to (redacted) with shared name. - 12/05/2025 Finding is cleared with the attached email from borrower confirming the property is owned by his (redacted) whose (redacted) shares the same name.<br>|  |
| 304904382 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified.; Verified credit history - FICO (redacted), minimum required (redacted).; | PROP 0008 Unacceptable Property Zoning - Missing investors acknowledgment for the subject property commercial zoning. Per (redacted), Zoning allows for single family use. The subject property, as improved, is designed for a single-unit residential use. Continued use of the existing improvements is legally permissible and physically possible. Continued use of the improvements appears to be financially feasible and to represent the property's maximum productivity. The (redacted) has reviewed the current zoning ordinance and the regulations permit and support the current single family residential use as the highest and best use. -- Per guidelines, Properties zoned commercial or agricultural are ineligible. - 12/05/2025 EV2/B - Investor Acknowledged Exception, current zoning allows for single family use and the continued use of the existing the existing improvements is legally permissible and physically possible. |  |  |  |
| 305029622 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | CRED 0104 Missing Letter of Explanation - Missing qualifying guarantors attestation that the purpose of the borrowing entity, (redacted), is to manage real estate. The operating agreement only states the purpose of the business is to carry on any activity which is lawful under the jurisdiction in which it operates. -- Per guidelines, (redacted) must have been created to manage rental properties only. - 12/31/2025 Recd borrower LOX confirming that the purpose for forming the borrowing entity was to obtain and manage rental properties.<br>|  |
| 305028169 (redacted) | Funded | 2 | 1 | 2 | 1 |  |  |  | Verified reserves; Verified credit history; | NOTE 0062 Missing personal guarantee(s). |  |  |  |

---

## Exhibit 99.32

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

**Exhibit 99.32**

**EXECUTIVE SUMMARY**

JPMMT 2026-NQX1

**Overview** 

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party diligence provider, performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association (the "Client"). The Review was conducted from August 2025 to December 2025 on mortgage loans (the "Loans") originated from August 2025 to November 2025.

The Review consisted of 100% of the population of 9 loans with an original loan balance of $5,890,442.00.

**Scope of Review**

**Credit Review**

MaxDiligence 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 included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is complete, signed, dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions have been satisfied prior
 to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of debt-to-income ratio ("DTI") calculations, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of debt service coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR calculation

![](ex9932001.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. Mortgage
 insurance certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR calculation

&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. Review
 of rental income and/or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing
 business as" or "also known as" names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements in conformance with applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&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. Compare
 for conflicting 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;ii. Check
 dates for document expiration

&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. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&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. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and paystubs, 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;iii. Transcripts
 (as applicable) support income

&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. Tax
 returns and profit and loss statements, 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;v. Bank
 statements or other alternate income documents as required by the guidelines

&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. Consistent/continuing
 employment, 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;vii. Lease
 agreements and market rents, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&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. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&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. Check
 dates for document expiration

&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. Sufficient
 funds were sourced and seasoned

&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. Gift
 funds verified and met guidelines

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 money deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in housing payment and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 disclosure or Settlement Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. Effective October 1, 2022, loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence
 reviewed each mortgage loan to determine each mortgage loan's status under the
 QM and ATR rule requirements and assign a QM and ATR designation as determined by MaxDiligence.
 MaxDiligence will note as a material exception if its QM and ATR designations do not
 confirm to the originator's original QM and ATR designations. Additionally, MaxDiligence
 will note if an originator's mortgage loan designation was not provided. MaxDiligence
 shall use the following designations:

&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. MaxDiligence
 utilizes the following QM designations for applicable 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM
 Safe-Harbor

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM
 Rebuttal Presumption (including Higher-priced 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary
 QM (for all applications prior to June 30, 2021)

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

&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. MaxDiligence
 utilizes the following ATR designations for applicable 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR
 Compliant

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR
 Fail

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR
 Exempt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 order to determine the QM designation, as applicable, MaxDiligence will review each Loan
 for 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. Use
 of any risky mortgage loan features and terms (e.g. an interest only feature or negative
 amortization);

&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. Do
 the "points and fees" exceed the applicable QM threshold;

&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. Was
 monthly payment calculated appropriately;

&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. Did
 the creditor considered and verify income or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did
 the creditor appropriately considered debt obligations, alimony and child support;

&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. For
 mortgage loan applications prior to October 1, 2022, if the DTI ratio exceeded 43% (calculated
 in accordance with Appendix Q to Regulation Z).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For
 mortgage loan applications on and after October 1, 2022, for which the annual percentage
 rate does not exceed the average prime offer rate for a comparable transaction as of
 the date the interest rate is set by the amounts specified based on loan amount (adjusted
 annually on January 1 by the annual percentage change in the Consumer Price Index for
 All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position
 of the proposed credit:

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For
 a first-lien covered transaction with a loan amount greater than or equal to $110,260
 (indexed for inflation), 2.25 or more percentage points; or

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For
 a first-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation) but less than $110,260 (indexed for inflation), 3.5 or more percentage
 points; or

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For
 a first-lien covered transaction with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points; or

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For
 a first-lien covered transaction secured by a manufactured home with a loan amount less
 than $110,260 (indexed for inflation), 6.5 or more percentage points; or

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For
 a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation), 3.5 or more percentage points; or

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For
 a subordinate-lien covered transaction with a loan amount less than $66,156 (indexed
 for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon
 completion of Section 12(B) above, if a Loan is determined to be a QM loan, MaxDiligence
 will determine if the Loan is a Higher-Priced Mortgage Loan ("HPML") as defined
 by 12 CFR 1026.35:

&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. If
 the Loan is HPML, then the Loan shall be designated as QM Rebuttal Presumption (Higher
 Priced);

&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. If
 the Loan is not an HPML, then the Loan shall be designated as QM Safe Harbor.

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon
 completion of Section 12(B) above, for each Loan that is designated as Non-QM, MaxDiligence
 then will determine whether the mortgage loan complies with the ATR rule, in accordance
 with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence
 will evaluate the Loan for ATR compliance based on the following eight factors and will
 verify such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets: Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan. Review Loan documentation for required
 level of income and asset verifications.

&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. Employment:
 Review file documentation for required level of employment.

&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. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&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. Simultaneous
 Loans: Ensure that all concurrent Loans were included in the DTI calculation, to properly
 assess the ability to repay.

&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. Mortgage-Related
 Obligations: Validate that the subject Loan's monthly payment calculation includes
 principle, interest, taxes, and insurance, as well as other costs related to the property
 such as homeowners' association fees, private mortgage insurance, ground rental
 fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations: Validate monthly recurring non-mortgage-related liabilities.

&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. DTI
 / Residual Income - Validate DTI or "residual income," based upon all mortgage
 and non-mortgage obligations, calculated as a ratio of gross monthly income, based on
 documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History: Review credit report for credit history and required credit depth, including
 any / all inquiries, and determine a representative credit score from the credit report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon
 completion of Section 12(E) above, MaxDiligence will assign an ATR designation.

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's
 review included a review of the valuation materials utilized during the origination of
 the applicable loan and in confirming the value of the underlying property. MaxDiligence's
 review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate appraisal form:

&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. All
 elements of appraisal are present

&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. Ensure
 all applicable Loan documents match appraisal 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;iii. Property
 is acceptable collateral for Loan program

![](ex9932001.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;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&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. 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, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to MaxDiligence, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&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. The
 original appraisal is 'As is' or Inspection received 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.

&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. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence recommended a BPO or field review be
 ordered.

&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. With
 regard to the use of comparable properties, MaxDiligence's review will (a) reviewed
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirmed the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verified that comparable properties used
 are similar in size, style, and location to the subject, and (d) checked for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&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. Other
 aspects of MaxDiligence's review included (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) 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 (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, MaxDiligence will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, MaxDiligence
 created an exception, and work with the client on the next steps which may include ordering
 of additional valuation products such as collateral desktop reviews, broker's price
 opinions, and full appraisals, if needed. If the property valuation products included
 in MaxDiligence's review result in a variance of more than 10% then the client
 was notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
confirmed to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the requirements
of Title XI of FIRREA.

![](ex9932001.jpg)

Specifically, MaxDiligence will review the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed
 the initial LE and confirmed (i) the correct form was used; (ii) all sections of the
 Initial LE are completed; and (iii) the initial LE accurately reflects the information
 provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a revised LE, confirmed (i) that there is a "valid reason" for the
 revised LE; and (ii) that the revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determined
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirmed
 initial LE was delivered within three (3) business days from the application date, and
 at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirmed
 revised LE was delivered within three (3) business days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) business days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirmed
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed
 the CD and confirmed (i) the correct form was used; (ii) all sections of the CD are completed;
 and (iii) the CD accurately reflected the information provided to MaxDiligence.

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirmed (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirmed
 initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) business days prior to the consummation
 date. 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 sixty (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 sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business days rescission period; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compared the fees disclosed in the final binding LE to those in the final
 CD, and confirmed that final CD fees are within the permitted tolerances. Confirmed the
 total of payments are considered accurate as defined by Regulation Z. Confirmed finance
 charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Reviewed the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and (iii) 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 sixty (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 sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirmed
 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

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirmed
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business
 days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

&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. Points
 and fees threshold test;

&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. APR
 threshold test;

&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. Prepayment
 penalty test; and

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

&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. APR
 threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

&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. Reviewed
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Reviewed
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Reviewed
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

● Note: Where available, MaxDiligence 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, MaxDiligence'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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&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. Determined
 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&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. Determined
 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Reviewed
 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

&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. Verified
 the data against the NMLSR database, as available.

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirmed
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirmed
 the presence of the Your Home Loan Toolkit/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;

&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. Confirmed
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirmed
 the presence of the CHARM booklet when 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;vi. Confirmed
 that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirmed
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&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. Confirmed
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
 days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirmed
 the Affiliated Business Arrangement Disclosure is executed;

&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. Confirmed
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirmed
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&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. Charging
 of a fee for a copy of the appraisal or other written valuation;

&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. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

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

![](ex9932001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 MaxDiligence did not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

The Guidelines listed below were used as a benchmark with respect to credit and property reviews for grading purposes. The loans were assigned an initial grade after the initial review. The final grade was determined after additional documentations were provided to satisfy outstanding conditions. When Guideline exceptions were provided, reviewers reviewed to ensure compensating factors were also provided and documented.

- Fannie Mae

- Freddie Mac

- AD Mortgage Jumbo Blue Underwriting Guidelines

- FIMC Debt Service Coverage Ratio (DSCR) Non-QM Final

- FundLoans Apex Prime Guidelines

- UWM Bank Statement Guidelines

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received an Overall "A" grade.

![](ex9932001.jpg)

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** |
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans (by loan count)** |
| A | 9 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **9** | **100.00%** |
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans (by loan count)** |
| A | 9 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **9** | **100.00%** |
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans (by loan count)** |
| A | 9 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **9** | **100.00%** |
| **Final Compliance Grade Summary<sup>1</sup>** | **Final Compliance Grade Summary<sup>1</sup>** | **Final Compliance Grade Summary<sup>1</sup>** |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans (by loan count)** |
| A | 9 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **9** | **100.00%** |

---

<sup>1</sup> Business Purpose Loans / Investment Properties for which a compliance review was not completed were given an "A" grade.

![](ex9932001.jpg)

**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 (i.e., a loan with a Credit Grade of "A", Compliance Grade of "B", and a Valuation Grade of "A" would receive an overall Loan Grade of "B").

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Approval - Lender Income Calculation Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Asset 1 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Asset 2 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Asset 5 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower 2 W2/1099 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit Documentation - Mortgage History | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Final Settlement Statement Missing. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Latest/Final Application Document is Unexecuted Improperly Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Flood Insurance Policy | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***17*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;9 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing evidence of rate lock | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing HUD-1 Closing Statement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***11*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

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

Of the 9 Loans reviewed, 6 unique Loans (by loan count) had a total of 13 different tape discrepancies across 8 data fields (some Loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;9 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;9 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Reviewed Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% |

---

![](ex9932001.jpg)

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of rental 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 (desk reviews, 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, or other eligible forms based on lender/investor requirements. |

---

![](ex9932001.jpg)

---

| | |
|:---|:---|
| &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, or other eligible forms based on lender/investor requirements. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.33

**Exhibit 99.33**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OH | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 4 | 2025-10-06 14:13 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard insurance effective date is after the disbursement date. Hazard insurance effective date is XXXXXX<br>|  | Please see attached - 10/08/2025<br>| Documentation provided is sufficient. - 10/14/2025<br> Hazard Insurance Effective Date of XXXXXX is prior to or equal to the Disbursement Date of XXXXXX Or the Date(s) Are Not Provided - 10/14/2025<br> Please see attached - 10/08/2025 |  | 2025-10-14 20:56 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OH | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 4 | 2025-10-06 14:27 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. Review DTI exceeds the AUS DTI by 0.18%, possibly due to rounding? <br>|  | DTI is 28.483% - within guidelines - 10/08/2025<br>| DTI is 28.483% - within guidelines - 10/08/2025<br>|  | 2025-10-14 20:54 | Void | 3 |  | 3 | 1 |
| XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OH | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 4 | 2025-10-06 14:30 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-06 14:30 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OH | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 4 | 2025-10-06 17:44 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-06 20:51 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304751710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 6 | 2025-08-30 10:51 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-30 10:51 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304751710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 6 | 2025-09-06 06:04 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Provide Eligibility Matrices referenced on the XXXXXX, subject to additional conditions. <br>|  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 20:08 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304751710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 6 | 2025-09-08 14:39 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-08 14:39 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304751710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 6 | 2025-09-08 16:01 | Credit | Property Title Issue | Property title issue. Missing evidence of XXXXXX or XXXXXX condominium endorsement as required per guidelines. No signed closing instructions were provided reflecting the request for the aforementioned endorsement and the final title policy was not provided. The subject property is located in a condominium development. <br>|  | XXXXXX: See attached final title - 10/01/2025 | Received final title policy with AltaXXXXXX condominium current assessments endorsement. - 10/03/2025<br> 10/1 XXXXXX: See attached final title - 10/01/2025 |  | 2025-10-03 05:21 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304751710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 5 of 6 | 2025-09-08 16:26 | Credit | Credit Documentation - Mortgage History | The loan file did not contain sufficient mortgage payment history. Missing 12 months mortgage history for subject property. Per loan application, the subject property is encumbered by the following lien and supported by mortgage payoff per final Closing Disclosure: XXXXXX $XXXXXX. <br>|  | 9/16 XXXXXX Please read the full transaction line, it states "XXXXXX" on each one. XXXXXX is the creditor listed on the note and payoff, and the $XXXXXX payment matches exactly to the note as well. - 09/16/2025 <br> 9/12 XXXXXX: Last 12 months of payments can be seen leaving the borrower's XXXXXX XXXXXX account - 09/12/2025 | Received explanation and confirmed Datar Investments noted on bank statements next to $XXXXXX payment reconciled with the Note. Subject application date XXXXXX. Demand shows loan had no late charges incurred along with the per-diem interest owed at payoff. Overall, 0x30x12 rating. - 09/18/2025<br> 9/16 XXXXXX: Please read the full transaction line, it states XXXXXX" on each one. XXXXXX is the creditor listed on the note and payoff, and the $XXXXXX payment matches exactly to the note as well. - 09/16/2025<br> Received explanation. XXXXXX account #XXXXXX shows $XXXXXX withdrawn as a "transfer XXXXXX" and not described as a mortgage payment nor paid directly to Lender of record. Please provide VOM from Lender supporting 0x30x12 payment history. - 09/15/2025<br> 9/12 XXXXXX: Last 12 months of payments can be seen leaving the borrower's XXXXXX XXXXXX account - 09/12/2025 |  | 2025-09-18 09:20 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304751710 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 6 of 6 | 2025-09-08 16:29 | Credit | Latest/Final Application Document is Unexecuted Improperly Executed | Employment and income information was left blank on the final loan application, when borrower is self employed. <br>|  | 9/12 XXXXXX: Borrower's income is listed as "Other Income" on application - 09/12/2025 | Received explanation. Non-QM loan and CPA letter in file verified self employment and previous employment in the same line of work in a different employment status. - 09/15/2025<br> 9/12 XXXXXX: Borrower's income is listed as "Other Income" on application - 09/12/2025 |  | 2025-09-15 18:58 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304779919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-09-02 13:35 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-02 13:35 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304779919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-09-06 06:01 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Provide XXXXXX referenced on the XXXXXX, subject to additional conditions  |  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 23:03 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304779919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-09-08 12:06 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-08 12:06 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304874870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 4 | 2025-11-06 13:22 | Credit | Borrower 2 W2/1099 Missing | Borrower 2 W2/1099 missing. Unable to locate the XXXXXX W2 for borrower 2. <br>|  | XXXXXX 1099 for B2 - 11/12/2025 | Borrower 2 W2/1099 Provided or not applicable (Number of Borrowers equals 2) - 11/17/2025<br> XXXXXX W-2 provided. Condition resolved. - 11/17/2025<br> XXXXXX 1099 for B2 - 11/12/2025 |  | 2025-11-17 20:40 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304874870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 4 | 2025-11-06 13:51 | Credit | Asset 1 Missing | Asset documentation is missing from the file. Unable to locate the XXXXXX bank statement for Acct #XXXXXX. <br>|  | XXXXXX XXXXXX - 11/17/2025 | Two months bank statements provided. Condition resolved. - 11/21/2025<br> Asset 1 Provided - 11/21/2025<br> XXXXXX - 11/17/2025 |  | 2025-11-21 18:02 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304874870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 4 | 2025-11-06 13:57 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-06 13:57 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304874870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 4 of 4 | 2025-11-07 16:57 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-11-07 16:57 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304892343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-11-07 23:42 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-11-07 23:42 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304892343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-11-12 19:29 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-12 19:29 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304892343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AZ | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-11-12 19:29 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-11-12 19:29 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304892338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 8 | 2025-11-10 14:53 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Lender to provide a VOM for the private mortgage for XXXXXX<br>|  | Document Uploaded. - 11/14/2025<br>| Pay history was provided. Condition resolved. - 11/18/2025<br>Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - 11/18/2025<br>|  | 2025-11-18 22:41 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304892338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 8 | 2025-11-10 15:32 | Credit | Asset 2 Less Than 2 Months Verified | Asset has less than 2 months verified in file. Please provide an additional asset statement for the XXXXXX account ending in XXXXXX. <br>|  | Document Uploaded. - 11/14/2025<br>| Two months statements are provided. Condition resolved. - 11/18/2025<br>Asset 2 Verified Sufficiently Or Not Applicable - 11/18/2025<br>|  | 2025-11-18 22:43 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304892338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 8 | 2025-11-11 19:26 | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. <br>|  | Document Uploaded. - 11/14/2025<br>| Final Settlement Statement provided. Condition resolved. - 11/18/2025<br>Final HUD-1 Document is not missing or estimated only. - 11/18/2025<br>| I was unable to locate a copy of the Settlement Statement/HUD-1 | 2025-11-18 22:52 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304892338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 8 | 2025-11-11 19:28 | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. I was unable to locate proof of the rate lock. <br>|  | Document Uploaded. - 11/14/2025<br>| Received rate lock - 11/17/2025<br>|  | 2025-11-17 14:35 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304892338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 5 of 8 | 2025-11-11 19:35 | Compliance | Missing HUD-1 Closing Statement | Final HUD-1 Document is Missing. Please provide the final settlement statement for the subject property (XXXXXX) and the borrower's primary residence (XXXXXX) <br>|  | Document Uploaded. - 11/14/2025<br>| Received HUD-1 - 11/17/2025<br>|  | 2025-11-17 14:35 | Resolved | 4 | 1 | 4 | 1 |
| XXXXXX | 304892338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 6 of 8 | 2025-11-13 21:42 | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation worksheet as required. Please provide the self employment and rental income calculators to determine how the income what calculated. <br>|  | Document Uploaded. - 11/14/2025<br>| Lender's income worksheet provided. Condition resolved. - 11/18/2025<br>|  | 2025-11-18 22:35 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304892338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 7 of 8 | 2025-11-14 00:08 | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. Please provide the final approval/1008. The 1008 in file reflects a P&I of XXXXXX, but the Note reflects a P&I of XXXXXX <br>|  | Document Uploaded. - 11/14/2025<br>| Corrected 1008 provided. Condition resolved - 11/18/2025<br>|  | 2025-11-18 22:39 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304892338 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 8 of 8 | 2025-11-14 00:08 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-14 00:08 | Cleared | 1 | 1 | 4 | 1 |
| XXXXXX | 304892333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-11-12 16:30 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-11-12 16:30 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304892333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-11-14 01:06 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-14 01:06 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304892333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-11-14 01:06 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-11-14 01:06 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304887756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 4 | 2025-11-21 13:49 | Compliance | The Deed of Trust is Incomplete | The Deed of Trust is incomplete. Unable to locate page 23 of 23 of the Deed of Trust <br>|  | DOT all pages - 12/03/2025<br>| Received complete DOT - 12/04/2025<br>DOT all pages - 12/03/2025<br>|  | 2025-12-04 16:44 | Resolved | 4 | 1 | 4 | 1 |
| XXXXXX | 304887756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 4 | 2025-11-21 14:50 | Credit | Missing Flood Insurance Policy | Unable to locate the Flood Insurance policy in the loan file. <br>|  | flood - 12/03/2025<br>| Flood Ins provided. Condition resolved. - 12/05/2025<br>flood - 12/03/2025<br>|  | 2025-12-05 16:30 | Resolved | 3 | 1 | 4 | 1 |
| XXXXXX | 304887756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 4 | 2025-11-21 14:51 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-21 14:51 | Cleared | 1 | 1 | 4 | 1 |
| XXXXXX | 304887756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 4 of 4 | 2025-11-21 19:05 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-11-21 19:05 | Cleared | 1 | 1 | 4 | 1 |
| XXXXXX | 304892335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-11-12 23:21 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-11-12 23:21 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304892335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-11-14 01:51 | Credit | Asset 5 Missing | Asset documentation is missing from the file. The XXXXXX and XXXXXX XXXXXX account statements ending in XXXXXX are missing from the loan file. <br>|  | Document Uploaded. - 11/14/2025<br>| XXXXXX statement provided, condition resolved. - 11/18/2025 |  | 2025-11-18 22:14 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304892335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-11-14 01:59 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-14 01:59 | Cleared | 1 | 1 | 3 | 1 |

---

## Exhibit 99.34

**Exhibit 99.34**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

![](ex99_001.jpg)

Client JPMMT 2026-NQX1 <br> Transaction JPMMT 2026-NQX1 <br> Date 03/04/2026

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304751710 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304779919 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304874870 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXXXX | 304892343 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXXXX | 304892338 | XXXXXX | XXXXXX | XXXXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A |
| XXXXXX | 304892333 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXXXX | 304887756 | XXXXXX | XXXXXX | XXXXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A C |
| XXXXXX | 304892335 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |

---

## Exhibit 99.35

**Exhibit 99.35**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX | XXXXXX | 304826901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 89.99 | 89.99 | XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXXXX Eligible |  |  |
| XXXXXX | XXXXXX | 304751710 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | 85.0 | 85.0 | XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX Eligible |  |  |
| XXXXXX | XXXXXX | 304779919 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 53.41 | 53.41 | XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXXXX Eligible | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304874870 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 79.62 | 79.62 | XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXXXX |
| XXXXXX | XXXXXX | 304892343 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 39.36 | 39.36 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304892338 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 65.0 | 65.0 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304892333 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 70.0 | 70.0 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304887756 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 80.0 | 80.0 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXXXX |
| XXXXXX | XXXXXX | 304892335 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 80.0 | 80.0 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.36

**Exhibit 99.36**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXX | XXXXXX | 304826901 | Qualifying LTV | XXXXXX | XXXXXX | Verified via source docs |
| XXXXXX | XXXXXX | 304826901 | Qualifying CLTV | XXXXXX | XXXXXX | Verified via source docs |
| XXXXXX | XXXXXX | 304751710 | Borrower 1 Last Name | XXXXXX | XXXXXX | Per identification |
| XXXXXX | XXXXXX | 304751710 | Borrower 1 Self-Employment Flag | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304874870 | Qualifying LTV | XXXXXX | XXXXXX | Verified via source docs |
| XXXXXX | XXXXXX | 304874870 | Qualifying CLTV | XXXXXX | XXXXXX | Verified via source docs |
| XXXXXX | XXXXXX | 304892343 | Escrow Indicator | XXXXXX | XXXXXX | Flood Insurance is escrowed |
| XXXXXX | XXXXXX | 304892338 | Verified Doc Type | XXXXXX | XXXXXX | verified with lender. |
| XXXXXX | XXXXXX | 304892338 | Reviewed Total Debt Income Ratio | XXXXXX | XXXXXX | added finidng for final approval, income calculators |
| XXXXXX | XXXXXX | 304892338 | Escrow Indicator | XXXXXX | XXXXXX | final settlement statement missing |
| XXXXXX | XXXXXX | 304887756 | Qualifying CLTV | XXXXXX | XXXXXX | Verified via source docs |
| XXXXXX | XXXXXX | 304887756 | Qualifying LTV | XXXXXX | XXXXXX | Verified via source docs |
| XXXXXX | XXXXXX | 304887756 | Calculated DSCR | XXXXXX | XXXXXX | Verified via source docs |

---

## Exhibit 99.37

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

**Exhibit 99.37**

![](ex9937001.jpg)

JPMMT 2026-NQX1<br>JPMorgan<br>

Opus Capital Markets Consultants, LLC

5718 Westheimer Road – Suite 1000 \| Houston, TX 77057 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**March 18, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**JPMorgan** 

The report summarizes the results of a due diligence review performed on a pool of one hundred forty (140) loans, of which were purchased by JPMorgan Chase Bank, National Association, as successor by merger to J.P. Morgan Mortgage Acquisition Corp. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains one hundred forty (140) credit and compliance loans identified as six (6) QM: Average Prime Offer Rate (APOR) loans, four (4) NQM loan and one hundred thirty (130) ATR/QM: Exempt loans, of which one hundred twenty-seven (127) are DSCR loans and three (3) are Business Purpose loans. There are three (3) loans eligible for GSE delivery, each were underwritten to the AUS provided in the loan file and were re-underwritten in accordance with the lender guidelines. The remaining one hundred thirty-seven (137) loans were re-underwritten in accordance with the lender guidelines described herein.

**Credit Review**

**Credit Qualification**

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms was performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as
 specified by the Client. In lieu of specific requirements, Consultant should consider
 Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements
 of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family
 guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and
 asset verifications pursuant to Client-provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as
 used by the original loan underwriter at origination to determine compliance with the
 Client-provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client-provided
 underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by
 the loan underwriter at origination to determine compliance with Client-provided underwriting
 guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the
 loan for integrity of comparable sales, completeness of data, eligibility of the appraiser
 and reasonableness of estimated value. Review the appraisal to determine the appraisal(s)
 meet the requirements of Client-provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value
 ratio were accurate at origination and meet Client-provided underwriting guideline and
 regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate
 credit depth to comply with the Client-provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client-provided
 underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client-provided underwriting guidelines are documented
 and reasonable.

**Document Review**

**Document Review**

A review of each loan file was performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:<br>

**a) Collateral Docs**

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed. <br>

**b) Closing Docs**

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs**<br>

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client-provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client-provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client-provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Income Documentation: Verify the presence of income and employment related documentation required by the Client-provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client-provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client-provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client-provided underwriting guidelines.

**Regulatory Compliance**

For each applicable Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material"<sup>1</sup> disclosure requirements of the federal Truth-in-Lending
 Act ("TILA"), as amended by the Home Ownership and Equity Protection Act
 ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented
 by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced
 Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure
 provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented
 by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA
 Integrated Disclosure ("TRID") Rule, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For
 Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 review of the 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).

&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;A. This
 review is also to be performed on transactions that are exempt from the rescission requirement
 but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A
 condition must be placed if the transaction is a refinance by the original creditor and
 the borrower was provided the Form H-8 rescission notice. Consultant will note in the
 condition whether there was a new advance that is subject to rescission per TILA/Regulation
 Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

<sup>1</sup> These "material" disclosures include, but are not limited to, the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations was based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

2. Section
 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603
 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the
 TRID Rule;

3. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution;

4. Confirmation
 that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer
 Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice
 to Home Loan Applicant;

5. 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: the general Ability
 to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages
 (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e)) (including qualified
 mortgages 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.));
 and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f))
 In accordance with "Ability to Repay and Qualified Mortgage Review" description
 below;

6. The
 Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented
 by Regulation Z, 12 C.F.R 1026.36;

7. The
 requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R.
 1026.35; <br>

8. The
 appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as
 implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The
 counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k)
 and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The
 escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35,
 and Regulation X, 12 C.F.R 1024.17, respectively;

11. The
 disclosure requirements and prohibitions of any applicable state, county and municipal
 laws and ordinances, as amended, that have been enacted to regulate so-called "predatory
 lending";

12. Consultant
 shall confirm that any mortgage property located in an area identified on a flood hazard
 map or flood insurance rate map issued by the Federal Emergency Management Agency as
 having special flood hazards is subject to a qualified flood insurance policy that appears
 to be is in effect;

13. For
 any loans designated as TILA exemption, Consultant shall review the loan file for evidence
 that the primary purpose of the loan was for commercial or business purposes, including,
 but not limited to a business purpose certification; and

14. Documentation.
 Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final
 HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan is in an escrow state, the HUD-1 was considered final as follows:

&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;A. HUD-1
 is marked Final;

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There
 should be no markings indicating that the HUD-1 is estimated.

&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;B. HUD-1
 is signed by all parties (including closing agent) or stamped certified by the closing
 agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If
 HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent;
 if the stamp does not contain the signature or initials, it must identify the name of
 the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final
 Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Loan Estimate in was considered delivered based on the date issued, subject to the three-day
 mailing rule unless the file contains documentation indicating earlier receipt. The loan
 file may contain one or more Loan Estimates with the latest one provided up until three
 business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing
 Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Closing Disclosure in the loan file was considered delivered based on the date issued,
 subject to the three-day mailing rule unless the file contains documentation indicating
 earlier receipt. The loan file may contain one or more Closing Disclosures with the latest
 one provided up until the consummation date being considered the Final with any delivered
 post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice
 of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial
 TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good
 Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed
 of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA
 disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third
 Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third
 party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing
 Disclosure, must be shown as paid to the third-party provider. A condition must be set
 if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT
 will condition for evidence in the file indicating that a charge on the HUD-1/Closing
 Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the
 face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure).
 Variations of less than $1 are deemed to be within reasonable limits and are not to be
 reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any
 refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing
 Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed was assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant reviews applicable loans for compliance
 with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R.
 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable
 Presumption QM, Exempt). Consultant determines the loan's status under the QM rule
 requirements and assigns a due diligence loan designation. Consultant notes as a material
 exception if the due diligence findings do not confirm the same loan designation. Additionally,
 Consultant notes if a loan designation was not provided. Consultant will verify if each
 loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan
 is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under
 § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender
 determination of QM and indicating factors in its ability-to-repay determination, including
 how the originator applied its policies and procedures in verification. For loans applications
 taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements
 of the revised general QM definition effective March 1, 2021.

2. For
 loans for which applications were received prior to July 1, 2021, 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, Consultant reviews the loan to determine
 whether, based on available information in the loan file the loan satisfied (i), (ii)
 and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System
 output within the file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance
 with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set
 forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For
 QM (Safe Harbor or HPCT) designated loans, Consultant 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. Consultant reviews to the applicable consider and verify requirements
 under the QM rule depending on whether the QM was originated under the original general
 QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 each QM designated loan that satisfied the applicable requirements enumerated above,
 Consultant 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 percentage. For QM designated loans originated
 under the revised general QM definition effective March 1, 2021, Consultant also determines
 whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ability to repay portion of the review for non-agency eligible loans only will focus
 on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible
 loans. The Consultant will review the loan file to determine if the creditor verified
 and considered each of the eight factors utilizing reasonably reliable third-party documentation
 at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current
 or reasonably expected income or assets that the consumer will rely on to repay the loan.

&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;2. Current
 employment status

&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;3. Monthly
 mortgage payment for subject loan using the introductory or fully indexed rate, whichever
 is higher, and monthly, fully amortizing payments that are substantially equal.

&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;4. Monthly
 payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly
 payments for property taxes and hazard/flood insurance and certain other costs related
 to the property such as homeowner's association fees or ground rent.

&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;6. Debts,
 alimony, and child support obligations

&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;7. Monthly
 debt-to-income ratio or residual income

&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. Credit
 history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 loans designated as agency eligible, Consultant will not review for compliance with the
 requirements of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant
 reviews loans to determine their conformity with the ATR/QM factors above and is not
 rendering an independent assessment or analysis. Consultant's review is based on
 information contained in the loan file at the time it is provided to Consultant, and
 only reflects information as of that point in time and does not mean any regulator, judicial
 or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or

other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning and Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) was referred to affiliates for provision of third party services)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations** 

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.<br>

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

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

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

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

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

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 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.

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

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● 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, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

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

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

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● 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 Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● 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 seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

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

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

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

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

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

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

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● 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 (PSH), Mun. Code §§ 757.01 et seq.

● 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), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● 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.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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

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

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

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

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), 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 on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et

seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

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

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan was reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided
 by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The
 premium for which is paid by the condominium associate, cooperative, homeowners association,
 or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:<br>

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:<br>

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed. <br>

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (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

● Property is described as average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments

● Appraiser was appropriately licensed at the time the appraisal was signed

***Valuation Waterfall and Products***

**<u>Agency Eligible Loan Programs</u>**

● PIW

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All
 PIW loans: AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If
 AVM <90% of origination value: BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. If
 BPO <90% of origination value: Stip for Seller to order Field Review/2055 or Appraisal.

● If FHLMC Rep &Warrant Relief NOT Eligible for FNMA CU >2.5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All:
 Desk Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If
 Desk Review < 90% of origination value: Stip for Seller to order a Filed Review/2055
 of second appraisal.

**<u>Jumbo Loan Programs</u>**

● If only 1 appraisal and no desk review: Stip for Seller to order a Desk Review (w/value conclusion)

● If guidelines required 2 appraisals, but only 1 appraisal provided; Stip for Seller to order second appraisal

● If desk review indicated a value lower than the appraisal; Stip for Seller to order BPO and value reconciliation.

*Seasoned Loan Updated:*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Updated AVM:** An Automated Valuation Model ("AVM") was ordered on each property.
 If the resulting value of the AVM is in aggregate less than 90% of the value reflected
 on the original appraisal, or if no results are returned, an Appraisal Desk Review was
 ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Appraisal Desk Review:** If the resulting value for the PVO is less than 90% of the value reflected
 on the original appraisal, or if no results are returned, a Broker Price Opinion (BPO)
 was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **BPO:** If the resulting value of the BPO is less than 90%of the value reflected on the original
 appraisal, an appraisal field review may be ordered on the property

The criteria set forth in this section titled "Valuation Waterfall and Products": are subject to change by RMC at any time.

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal in a property located in an area that is designated as IA (Individual Assistance) or IH (Individual and Household Assistance), Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance<br>

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.<br>

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.<br>

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.<br>

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.<br>

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews, and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15-E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:<br>

**Opus Credit Grades**<br>

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation. <br>

**Opus Property Grades**<br>

● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation. <br>

**Opus Compliance Grades**<br>

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review**

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") were met. Confirmation of the loan terms were performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines consisted of the following:

**Borrower Underwriting:**

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to

satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

● No compliance testing for the DSCR review.

**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;89 | &nbsp;&nbsp;63.57% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.43% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;10 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.71% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.86% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;16 | &nbsp;&nbsp;11.43% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.29% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**140** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;9 | &nbsp;&nbsp;6.43% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;130 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**140** | &nbsp;&nbsp;**100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.29% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.29% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;108 | &nbsp;&nbsp;22.86% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;19 | &nbsp;&nbsp;86.43% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;18 | &nbsp;&nbsp;87.14% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;19 | &nbsp;&nbsp;86.43% |
| &nbsp;&nbsp;**Total Loans** | &nbsp;&nbsp;**140** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were five (5) obligors with multiple loans in the pool.

**Property Inspection Waivers**: No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated March 16, 2026.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;137 | &nbsp;&nbsp;97.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.14% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;140 | &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% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;137 | &nbsp;&nbsp;97.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.14% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;140 | &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% |

---

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;135 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;140 | &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% |

---

---

| | | |
|:---|:---|:---|
| **Credit Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;137 | &nbsp;&nbsp;97.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.14% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;138 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (140)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;304911373 | &nbsp;&nbsp;304911756 | &nbsp;&nbsp;305012667 | &nbsp;&nbsp;305026434 | &nbsp;&nbsp;305013403 | &nbsp;&nbsp;305027472 | &nbsp;&nbsp;305039449 |
| &nbsp;&nbsp;305030935 | &nbsp;&nbsp;305027294 | &nbsp;&nbsp;305024840 | &nbsp;&nbsp;305026596 | &nbsp;&nbsp;305030612 | &nbsp;&nbsp;305027143 | &nbsp;&nbsp;305039448 |
| &nbsp;&nbsp;304872633 | &nbsp;&nbsp;304908701 | &nbsp;&nbsp;305013597 | &nbsp;&nbsp;305028192 | &nbsp;&nbsp;304856868 | &nbsp;&nbsp;305033586 | &nbsp;&nbsp;305039436 |
| &nbsp;&nbsp;305027385 | &nbsp;&nbsp;304904445 | &nbsp;&nbsp;305013411 | &nbsp;&nbsp;305027089 | &nbsp;&nbsp;304907217 | &nbsp;&nbsp;305024777 | &nbsp;&nbsp;305013553 |
| &nbsp;&nbsp;304902333 | &nbsp;&nbsp;304904453 | &nbsp;&nbsp;305029882 | &nbsp;&nbsp;305031656 | &nbsp;&nbsp;304897601 | &nbsp;&nbsp;305029683 | &nbsp;&nbsp;304868072 |
| &nbsp;&nbsp;304893478 | &nbsp;&nbsp;304905189 | &nbsp;&nbsp;305029238 | &nbsp;&nbsp;305033691 | &nbsp;&nbsp;304893938 | &nbsp;&nbsp;305031071 | &nbsp;&nbsp;304904055 |
| &nbsp;&nbsp;304909847 | &nbsp;&nbsp;305030931 | &nbsp;&nbsp;305026207 | &nbsp;&nbsp;305033689 | &nbsp;&nbsp;304993647 | &nbsp;&nbsp;305029754 | &nbsp;&nbsp;305013628 |
| &nbsp;&nbsp;304911408 | &nbsp;&nbsp;305028497 | &nbsp;&nbsp;305024932 | &nbsp;&nbsp;305033688 | &nbsp;&nbsp;304905100 | &nbsp;&nbsp;305031340 | &nbsp;&nbsp;304875963 |
| &nbsp;&nbsp;304911407 | &nbsp;&nbsp;304907319 | &nbsp;&nbsp;305027150 | &nbsp;&nbsp;305033687 | &nbsp;&nbsp;305031730 | &nbsp;&nbsp;305027417 | &nbsp;&nbsp;304911575 |
| &nbsp;&nbsp;304872623 | &nbsp;&nbsp;304908509 | &nbsp;&nbsp;305027149 | &nbsp;&nbsp;305031296 | &nbsp;&nbsp;305029172 | &nbsp;&nbsp;305028137 | &nbsp;&nbsp;304899023 |
| &nbsp;&nbsp;304909846 | &nbsp;&nbsp;305031032 | &nbsp;&nbsp;305023565 | &nbsp;&nbsp;305029685 | &nbsp;&nbsp;304909816 | &nbsp;&nbsp;305031283 | &nbsp;&nbsp;304899050 |
| &nbsp;&nbsp;304911405 | &nbsp;&nbsp;305013602 | &nbsp;&nbsp;305027338 | &nbsp;&nbsp;305042301 | &nbsp;&nbsp;305025047 | &nbsp;&nbsp;305031685 | &nbsp;&nbsp;304828421 |
| &nbsp;&nbsp;305024796 | &nbsp;&nbsp;305027064 | &nbsp;&nbsp;305030521 | &nbsp;&nbsp;305029863 | &nbsp;&nbsp;304905094 | &nbsp;&nbsp;305033731 | &nbsp;&nbsp;304904543 |
| &nbsp;&nbsp;304891049 | &nbsp;&nbsp;304911011 | &nbsp;&nbsp;305030520 | &nbsp;&nbsp;305030515 | &nbsp;&nbsp;304909391 | &nbsp;&nbsp;305033671 | &nbsp;&nbsp;305031690 |
| &nbsp;&nbsp;305012681 | &nbsp;&nbsp;304911391 | &nbsp;&nbsp;305030519 | &nbsp;&nbsp;305039606 | &nbsp;&nbsp;304909622 | &nbsp;&nbsp;305031281 | &nbsp;&nbsp;305031300 |
| &nbsp;&nbsp;304889345 | &nbsp;&nbsp;305013601 | &nbsp;&nbsp;305030565 | &nbsp;&nbsp;305037877 | &nbsp;&nbsp;305027332 | &nbsp;&nbsp;305036556 | &nbsp;&nbsp;305026205 |
| &nbsp;&nbsp;304894623 | &nbsp;&nbsp;304993656 | &nbsp;&nbsp;305024985 | &nbsp;&nbsp;305044598 | &nbsp;&nbsp;304911741 | &nbsp;&nbsp;304891113 | &nbsp;&nbsp;304911007 |
| &nbsp;&nbsp;304894686 | &nbsp;&nbsp;305031526 | &nbsp;&nbsp;305028266 | &nbsp;&nbsp;305036884 | &nbsp;&nbsp;305025046 | &nbsp;&nbsp;304896758 | &nbsp;&nbsp;305031561 |
| &nbsp;&nbsp;305026445 | &nbsp;&nbsp;305012670 | &nbsp;&nbsp;305028264 | &nbsp;&nbsp;305013548 | &nbsp;&nbsp;304993639 | &nbsp;&nbsp;304897059 | &nbsp;&nbsp;305034521 |
| &nbsp;&nbsp;304907322 | &nbsp;&nbsp;305013373 | &nbsp;&nbsp;305028450 | &nbsp;&nbsp;304903210 | &nbsp;&nbsp;305026112 | &nbsp;&nbsp;305039450 | &nbsp;&nbsp;305029112 |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.38

**Exhibit 99.38**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1225787353 | 1225787353 | 305028497 | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| 1225838915 | 1225838915 | 305026596 | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXXX | Audit value Pulled from Note |
| 1525365976 | 1525365976 | 304993647 | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| 1525368959 | 1525368959 | 304905100 | 0448-002 | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| 1525283853 | 1525283853 | 305030612 | 0448-001 | Borrower 2 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| 1225776142 | 1225776142 | 304904445 | 0448-002 | Loan Amount | notePage | $XXXXXX | $XXXXXX |  |
| 1225573687 | 1225573687 | 304872633 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 1225579432 | 1225579432 | 305027385 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225617935 | 1225617935 | 304902333 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225670691 | 1225670691 | 304893478 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1225690140 | 1225690140 | 304911408 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225696157 | 1225696157 | 304911407 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1225710084 | 1225710084 | 304872623 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225722509 | 1225722509 | 304909846 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225739412 | 1225739412 | 304911405 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225743666 | 1225743666 | 305024796 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225752560 | 1225752560 | 305012681 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225756024 | 1225756024 | 304889345 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225759005 | 1225759005 | 304894623 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225759942 | 1225759942 | 304894686 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225760498 | 1225760498 | 305026445 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225765224 | 1225765224 | 304907322 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan documents support DSCR. |
| 1225769027 | 1225769027 | 304911756 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225772610 | 1225772610 | 305027294 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225774837 | 1225774837 | 304908701 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225776142 | 1225776142 | 304904445 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1225780619 | 1225780619 | 304904453 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225785066 | 1225785066 | 304905189 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225785501 | 1225785501 | 305030931 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1225787353 | 1225787353 | 305028497 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225787404 | 1225787404 | 304907319 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1225790130 | 1225790130 | 304908509 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225794646 | 1225794646 | 305013602 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225796305 | 1225796305 | 305027064 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | <br> Audit Value Pulled From 1008. |
| 1225797814 | 1225797814 | 304911011 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 1225799971 | 1225799971 | 304911391 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225801852 | 1225801852 | 304993656 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225802325 | 1225802325 | 305012670 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1225807592 | 1225807592 | 305013373 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225807607 | 1225807607 | 305012667 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1225808399 | 1225808399 | 305024840 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225809275 | 1225809275 | 305013597 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1225812261 | 1225812261 | 305029238 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1225813381 | 1225813381 | 305026207 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225814058 | 1225814058 | 305024932 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225815806 | 1225815806 | 305027150 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225815862 | 1225815862 | 305027149 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225817158 | 1225817158 | 305023565 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type updated as DSCR |
| 1225821553 | 1225821553 | 305027338 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225822764 | 1225822764 | 305030521 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225822775 | 1225822775 | 305030520 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 1225822789 | 1225822789 | 305030519 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225822798 | 1225822798 | 305030565 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 1225828968 | 1225828968 | 305024985 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225832544 | 1225832544 | 305028266 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 1225833393 | 1225833393 | 305028264 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan documents support DSCR. |
| 1225833898 | 1225833898 | 305028450 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 1225835698 | 1225835698 | 305026434 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1225838915 | 1225838915 | 305026596 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225840113 | 1225840113 | 305028192 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | <br> Loan type verified from document in the file |
| 1225842713 | 1225842713 | 305027089 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1225843270 | 1225843270 | 305031656 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan documents support DSCR. |
| 1225851322 | 1225851322 | 305033691 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | <br> Loan type verified from document in the file |
| 1225851371 | 1225851371 | 305033689 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225851393 | 1225851393 | 305033688 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | <br> Loan type verified from document in the file |
| 1225851400 | 1225851400 | 305033687 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225864078 | 1225864078 | 305031296 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225869816 | 1225869816 | 305042301 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type updated as DSCR |
| 1225869906 | 1225869906 | 305029863 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225871758 | 1225871758 | 305039606 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type updated as DSCR |
| 1225884070 | 1225884070 | 305037877 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 1231617 | 1231617 | 305013548 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Verified DSCR per loan program |
| 1234946 | 1234946 | 304903210 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1525290845 | 1525290845 | 304856868 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1525336239 | 1525336239 | 304907217 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1525351042 | 1525351042 | 304897601 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1525365976 | 1525365976 | 304993647 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1525368959 | 1525368959 | 304905100 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1525369841 | 1525369841 | 305031730 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1525379365 | 1525379365 | 305029172 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| 1525383126 | 1525383126 | 304909816 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1525384181 | 1525384181 | 304905094 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| 1525389684 | 1525389684 | 304909391 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1525392171 | 1525392171 | 305027332 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1525393886 | 1525393886 | 304911741 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1525394762 | 1525394762 | 304993639 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 1525397962 | 1525397962 | 305026112 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1525398015 | 1525398015 | 305027472 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 1525398220 | 1525398220 | 305027143 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 1525398866 | 1525398866 | 305033586 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1525405404 | 1525405404 | 305024777 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type verified from document in the file |
| 1525407653 | 1525407653 | 305029683 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1525407853 | 1525407853 | 305031071 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type updated as DSCR |
| 1525410174 | 1525410174 | 305031340 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type updated as DSCR |
| 1525413703 | 1525413703 | 305027417 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1525419969 | 1525419969 | 305028137 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 1525420146 | 1525420146 | 305031283 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 1525424879 | 1525424879 | 305031685 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 1525436233 | 1525436233 | 305033731 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type updated as DSCR |
| 1525436719 | 1525436719 | 305033671 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type updated as DSCR |
| 1525437693 | 1525437693 | 305031281 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 1525440386 | 1525440386 | 305036556 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value pulled from 1008 |
| 3010531880 | 3010531880 | 304896758 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 3010533845 | 3010533845 | 304897059 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 828760 | 828760 | 305039450 | 0448-006 | Loan Type | the1003Page | DSCR | Other | Loan documents support DSCR. |
| 9714665115 | 9714665115 | 305013553 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 9718946024 | 9718946024 | 304868072 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 9722905776 | 9722905776 | 304904055 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 9730808079 | 9730808079 | 305013628 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 9732958773 | 9732958773 | 304875963 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 1225781381 | 1225781381 | 304904543 | 0448-001 | Loan Type | the1003Page | Conventional | Other | Audit Value Pulled From 1008. |
| 1525390683 | 1525390683 | 304911007 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type updated as DSCR |
| 1525437725 | 1525437725 | 305031561 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type updated as DSCR |
| 1526000444 | 1526000444 | 305034521 | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan type updated as DSCR |
| 1225785501 | 1225785501 | 305030931 | 0448-002 | Number of Units | propertyValuationPage | 2 | 1 | Audit Value Pulled From Appraisal. |
| 1525283853 | 1525283853 | 305030612 | 0448-001 | Number of Units | propertyValuationPage | 60 | 1 | Audit value pulled from Appraisal |
| 1225822764 | 1225822764 | 305030521 | 0448-002 | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit Value Pulled From Appraisal. |
| 1225822798 | 1225822798 | 305030565 | 0448-002 | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit value pulled from documents located in the loan file. |
| 1225851371 | 1225851371 | 305033689 | 0448-002 | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit Value Pulled From Appraisal. |
| 828947 | 828947 | 304899023 | 0448-006 | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit Value Pulled From Appraisal. |
| 1225802325 | 1225802325 | 305012670 | 0448-002 | Property Address | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| 1231617 | 1231617 | 305013548 | 0448-002 | Property Address | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| 1034000328841 | 1034000328841 | 304911373 | 0448-001 | Qualifying CLTV | propertyValuationPage | 64.99 | 74.99 | Audit Value of Subject Lien / Qualifying Value |
| 1225688447 | 1225688447 | 304909847 | 0448-001 | Qualifying CLTV | propertyValuationPage | 69.03 | 70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 1225746624 | 1225746624 | 304891049 | 0448-001 | Qualifying CLTV | propertyValuationPage | 59.67 | 60 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 1225776142 | 1225776142 | 304904445 | 0448-002 | Qualifying CLTV | propertyValuationPage | 74.04 | 73.01 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 1225787353 | 1225787353 | 305028497 | 0448-002 | Qualifying CLTV | propertyValuationPage | 50.62 | 50.61 | rounding |
| 1225812080 | 1225812080 | 305029882 | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 1225814058 | 1225814058 | 305024932 | 0448-002 | Qualifying CLTV | propertyValuationPage | 41.75 | 41.74 | Rounding |
| 1525272219 | 1525272219 | 305013403 | 0448-001 | Qualifying CLTV | propertyValuationPage | 44.64 | 45 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 1525283853 | 1525283853 | 305030612 | 0448-001 | Qualifying CLTV | propertyValuationPage | 75 | 74.99 | Rounding |
| 1525361960 | 1525361960 | 304893938 | 0448-001 | Qualifying CLTV | propertyValuationPage | 71.76 | 72 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 1525383732 | 1525383732 | 305025047 | 0448-001 | Qualifying CLTV | propertyValuationPage | 60.64 | 61 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 1525390711 | 1525390711 | 304909622 | 0448-001 | Qualifying CLTV | propertyValuationPage | 55.95 | 56 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 1525392171 | 1525392171 | 305027332 | 0448-002 | Qualifying CLTV | propertyValuationPage | 57.75 | 57.74 | Audit Value Pulled From 1008. |
| 1525393886 | 1525393886 | 304911741 | 0448-002 | Qualifying CLTV | propertyValuationPage | 71.43 | 71.42 | Rounding |
| 1525409508 | 1525409508 | 305029754 | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.94 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 3010533845 | 3010533845 | 304897059 | 0448-002 | Qualifying CLTV | propertyValuationPage | 74.9 | 75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 9718946024 | 9718946024 | 304868072 | 0448-002 | Qualifying CLTV | propertyValuationPage | 77.98 | 80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 828878 | 828878 | 304899050 | 0448-006 | Qualifying CLTV | propertyValuationPage | 80 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 1525390683 | 1525390683 | 304911007 | 0448-002 | Qualifying CLTV | propertyValuationPage | 56.88 | 56.87 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 1225800463 | 1225800463 | 305013601 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 804 | 0 | Qualifying FICO score pulled from credit |
| 1225802008 | 1225802008 | 305031526 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 769 | 0 | Audit value based on lender qualifying requirements. |
| 1225811365 | 1225811365 | 305013411 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 767 | 0 | Audit value based on lender qualifying requirements. |
| 1225868206 | 1225868206 | 305029685 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 713 | 0 | Audit Value pulled from 1008 & Credit report |
| 1225870852 | 1225870852 | 305030515 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 730 | 0 | Audit value pulled from documents located in the loan file. |
| 1226008195 | 1226008195 | 305044598 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 714 | 0 | Qualifying FICO Pulled from Credit Report. |
| 1226011927 | 1226011927 | 305036884 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 740 | 0 | Audit value based on lender qualifying requirements. |
| 1231617 | 1231617 | 305013548 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 686 | 0 | FICO pulled from credit report in file. |
| 1234946 | 1234946 | 304903210 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 769 | 0 | Audit value based on lender qualifying requirements. |
| 23436550 | 23436550 | 304891113 | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 712 | 0 | Audit value based on lender qualifying requirements. |
| 3010531880 | 3010531880 | 304896758 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 747 | 0 | Audit value based on lender qualifying requirements. |
| 3010533845 | 3010533845 | 304897059 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 806 | 0 | Audit value based on lender qualifying requirements. |
| 829006 | 829006 | 305039449 | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 779 | 0 | Audit value based on lender qualifying requirements. |
| 829014 | 829014 | 305039448 | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 800 | 0 | Tape Data does not report. |
| 831298 | 831298 | 305039436 | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 739 | 0 | Audit value based on lender qualifying requirements. |
| 1225552762 | 1225552762 | 305031690 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 794 | 0 | Qualifying FICO Score pulled from credit report |
| 1225821413 | 1225821413 | 305031300 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 746 | 0 | Qualifying FICO Score is pulled From Credit Report. |
| 1225826717 | 1225826717 | 305026205 | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 728 | 0 | Audit Value pulled from 1008 & Credit Report |
| 1034000328841 | 1034000328841 | 304911373 | 0448-001 | Qualifying LTV | propertyValuationPage | 64.99 | 74.99 | Audit Value of Subject Lien / Qualifying Value |
| 1225688447 | 1225688447 | 304909847 | 0448-001 | Qualifying LTV | propertyValuationPage | 69.03 | 70 | Audit Value of Subject Lien / Qualifying Value |
| 1225746624 | 1225746624 | 304891049 | 0448-001 | Qualifying LTV | propertyValuationPage | 59.67 | 60 | Audit Value of Subject Lien / Qualifying Value. |
| 1225776142 | 1225776142 | 304904445 | 0448-002 | Qualifying LTV | propertyValuationPage | 74.04 | 73.01 | Audit Value of Subject Lien / Qualifying Value |
| 1225787353 | 1225787353 | 305028497 | 0448-002 | Qualifying LTV | propertyValuationPage | 50.62 | 50.61 | rounding |
| 1225812080 | 1225812080 | 305029882 | 0448-001 | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 1225814058 | 1225814058 | 305024932 | 0448-002 | Qualifying LTV | propertyValuationPage | 41.75 | 41.74 | Rounding |
| 1525272219 | 1525272219 | 305013403 | 0448-001 | Qualifying LTV | propertyValuationPage | 44.64 | 45 | Audit Value of Subject Lien / Qualifying Value. |
| 1525283853 | 1525283853 | 305030612 | 0448-001 | Qualifying LTV | propertyValuationPage | 75 | 74.99 | Rounding |
| 1525361960 | 1525361960 | 304893938 | 0448-001 | Qualifying LTV | propertyValuationPage | 71.76 | 72 | Audit Value of Subject Lien / Qualifying Value |
| 1525383732 | 1525383732 | 305025047 | 0448-001 | Qualifying LTV | propertyValuationPage | 60.64 | 61 | Audit Value of Subject Lien / Qualifying Value. |
| 1525390711 | 1525390711 | 304909622 | 0448-001 | Qualifying LTV | propertyValuationPage | 55.95 | 56 | Audit Value of Subject Lien / Qualifying Value |
| 1525392171 | 1525392171 | 305027332 | 0448-002 | Qualifying LTV | propertyValuationPage | 57.75 | 57.74 | Audit Value Pulled From 1008. |
| 1525393886 | 1525393886 | 304911741 | 0448-002 | Qualifying LTV | propertyValuationPage | 71.43 | 71.42 | Rounding |
| 1525409508 | 1525409508 | 305029754 | 0448-001 | Qualifying LTV | propertyValuationPage | 89.94 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 3010533845 | 3010533845 | 304897059 | 0448-002 | Qualifying LTV | propertyValuationPage | 74.9 | 75 | Audit Value of 1st + 2nd lien HELOC / Qualifying Value |
| 9718946024 | 9718946024 | 304868072 | 0448-002 | Qualifying LTV | propertyValuationPage | 77.98 | 80 | Audit Value of Subject Lien / Qualifying Value |
| 828878 | 828878 | 304899050 | 0448-006 | Qualifying LTV | propertyValuationPage | 80 | 75.00 | Audit Value of Subject Lien / Qualifying Value |
| 1525390683 | 1525390683 | 304911007 | 0448-002 | Qualifying LTV | propertyValuationPage | 56.88 | 56.87 | Audit Value of Subject Lien / Qualifying Value |

---

## Exhibit 99.39

**Exhibit 99.39**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **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?** |
| XXXXXX | 1034000328841 | 1034000328841 | 304911373 | Closed | 2026-01-04 14:20 | 2026-02-23 06:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 3 3rd Party VOE Prior to Close Missing | Resolved-Borrower 3 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-01/16/2026 <br>Open-Borrower 3 3rd Party VOE Prior to Close Missing B3 3rd Party VOE Prior to Close Missing. Additional conditions may apply. - Due Diligence Vendor-01/04/2026 |  | Resolved-Borrower 3 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-01/16/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 6907603 | N/A | N/A |
| XXXXXX | 1034000328841 | 1034000328841 | 304911373 | Closed | 2026-01-04 14:20 | 2026-02-23 06:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Attached - Due Diligence Vendor-01/16/2026 <br>Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 3 3rd Party VOE Prior to Close Missing. Additional conditions may apply. - Due Diligence Vendor-01/04/2026 |  | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-01/16/2026<br>| XXXXXXX_1.pdf |  |  | XX | Second Home | Purchase | NA | 6907604 | N/A | N/A |
| XXXXXX | 1034000328841 | 1034000328841 | 304911373 | Closed | 2026-01-04 14:47 | 2026-01-23 15:54 | Resolved | 1 - Information | Compliance | AbilityToRepay:TermAndFeatures | Federal - Qualified Mortgage Loan Features (01/14) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/23/2026 <br>Open-This loan was submitted to Opus with an Originator QM status of QM: Higher Priced APOR (APOR HP). The (120.0) months interest only payments make it ineligible to be QM. Please provide confirmation that the loan should have been submitted as Non-QM. - Due Diligence Vendor-01/23/2026 <br>Open-This loan cannot be a General Qualified Mortgage. The (120.0) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)) This loan cannot be a General Qualified Mortgage. The (120.0) months interest only payments make it ineligible. - Due Diligence Vendor-01/04/2026 <br>Open- - Due Diligence Vendor-01/04/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/23/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 6907660 | N/A | N/A |
| XXXXXX | 1034000328841 | 1034000328841 | 304911373 | Closed | 2026-01-23 15:46 | 2026-01-23 15:46 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/23/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/23/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7279164 | Investor Post-Close | No |
| XXXXXX | 1034000328841 | 1034000328841 | 304911373 | Closed | 2026-01-03 10:53 | 2026-01-23 13:05 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 3 | Resolved-Borrower Identification - Borrower 3 provided. - Due Diligence Vendor-01/23/2026 <br>Open-Missing Borrower Identification - Borrower 3. Additional conditions may apply. - Due Diligence Vendor-01/03/2026 |  | Resolved-Borrower Identification - Borrower 3 provided. - Due Diligence Vendor-01/23/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 6905987 | N/A | N/A |
| XXXXXX | 1225413844 | 1225413844 | 305030935 | Closed | 2026-02-16 09:24 | 2026-02-25 11:07 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-XX 2/24: Please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/25/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/16/2026 |  | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/25/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/16/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7632387 | Investor Post-Close | No |
| XXXXXX | 1225413844 | 1225413844 | 305030935 | Closed | 2026-02-10 06:46 | 2026-02-16 09:29 | Resolved | 1 - Information | Compliance | AbilityToRepay:TermAndFeatures | Federal - Qualified Mortgage Loan Features (01/14) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-XX 2/13. This loan is not subject to QM - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open-This loan cannot be a General Qualified Mortgage. The (120.0) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)) Updated as per documents and spreadsheet - QM file and 120 months initial interest file. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/16/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7532562 | N/A | N/A |
| XXXXXX | 1225579432 | 1225579432 | 305027385 | Closed | 2026-02-03 10:46 | 2026-02-26 17:29 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Final CD provided showing loan originated XX/XX/XXXX. Mortgage statements in file are sufficient. Finding resolved. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-2/25 XX: See attached CD - Due Diligence Vendor-02/25/2026 <br> Counter-Please provide Note or final CD for this property to confirm origination date. Property's lien is only showing 1 month on credit report and fraud shows a XXXX origination date. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/10 XX: XXX Funded the refinance loan on this property in XXX of XXXX. There was no other liens on the property at the time of this loan, all mortgage history was provided. - Due Diligence Vendor-02/10/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Audit was unable to establish a comprehensive 12-month mortgage history for the X XXXXX XXXXXX property or since the inception of the acquisition. The fraud reporting indicates a loan originated in XXXXXXXX XXXX, the available documentation is incomplete; the credit report reflects only one month of history, and mortgage statements were only provided for XXXX, XXXX, XXXXXX, and XXXXXXX XXXX. - Due Diligence Vendor-02/03/2026 |  | Resolved-Final CD provided showing loan originated XX/XX/XXXX. Mortgage statements in file are sufficient. Finding resolved. - Due Diligence Vendor-02/26/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | 7420923 | N/A | N/A |
| XXXXXX | 1225688447 | 1225688447 | 304909847 | Closed | 2025-12-31 07:21 | 2026-01-23 09:30 | Resolved | 1 - Information | Compliance | AbilityToRepay:TermAndFeatures | Federal - Qualified Mortgage Loan Features (01/14) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-XX 1/22 This loan type is not subject to QM - Due Diligence Vendor-01/22/2026 <br> Open-This loan cannot be a General Qualified Mortgage. The (120.0) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)) This loan cannot be a General Qualified Mortgage. The (120.0) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)) - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-01/03/2026 <br> Open- - Due Diligence Vendor-01/03/2026 <br> Open- - Due Diligence Vendor-12/31/2025 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/23/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6869582 | N/A | N/A |
| XXXXXX | 1225688447 | 1225688447 | 304909847 | Closed | 2026-01-23 09:28 | 2026-01-23 09:28 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/23/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/23/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7269890 | Investor Post-Close | No |
| XXXXXX | 1225688447 | 1225688447 | 304909847 | Closed | 2025-12-31 07:38 | 2026-01-03 13:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/03/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/03/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6869882 | Investor Post-Close | No |
| XXXXXX | 1225739412 | 1225739412 | 304911405 | Closed | 2025-12-22 12:01 | 2026-01-05 09:37 | Resolved | 1 - Information | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Verified escrow waiver is not required. Escrow section on page 4 is completed. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-XX 1/2: Disagree, on pg4 of the cited CD the escrow account is not being waived as flood insurance is still included. Escrow Waiver not required - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Resolved-Verified escrow waiver is not required. Escrow section on page 4 is completed. - Due Diligence Vendor-01/05/2026<br>|  |  |  | XX | Investment | Purchase | NA | 6739738 | N/A | N/A |
| XXXXXX | 1225743666 | 1225743666 | 305024796 | Closed | 2026-01-03 08:23 | 2026-01-09 07:35 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-Property reports and XXX docs show borrower has owned property and is not a first-time homebuyer. Condition cleared. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-01/08/26 - XX: Please see attached. The borrower had an ownership interest in the properties located at XXXXX XXXXXXXXX XXX, XXXXXXXXX, XX XXXXX & XXXX XXXXXX XX, XXXXXXXXX, XX within the most recent 5 years. The properties were held in the name of XXXXX XXXXXXXX XXXXXXXXX, XXX and the provided operating agreement confirms the borrower's ownership of the company. - Due Diligence Vendor-01/08/2026 <br> Open-First time homebuyers are ineligible for the Investor Flex product. - Due Diligence Vendor-01/03/2026 |  | Resolved-Property reports and XXX docs show borrower has owned property and is not a first-time homebuyer. Condition cleared. - Due Diligence Vendor-01/09/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Purchase | NA | 6905729 | N/A | N/A |
| XXXXXX | 1225746624 | 1225746624 | 304891049 | Closed | 2026-01-14 13:44 | 2026-01-14 13:44 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7093030 | Investor Post-Close | No |
| XXXXXX | 1225746624 | 1225746624 | 304891049 | Closed | 2025-12-19 07:52 | 2026-01-14 13:43 | Resolved | 1 - Information | Compliance | AbilityToRepay:TermAndFeatures | Federal - Qualified Mortgage Loan Features (01/14) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-XX 1/8: This loan type is not subject to QM - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Open-This loan cannot be a General Qualified Mortgage. The (120.0) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)) - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6702493 | N/A | N/A |
| XXXXXX | 1225746624 | 1225746624 | 304891049 | Closed | 2025-12-19 07:48 | 2025-12-31 14:52 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Disbursement date is XX/XX/XXXX. - Due Diligence Vendor-12/31/2025 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Disbursement date is XX/XX/XXXX. - Due Diligence Vendor-12/31/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 6702442 | Investor Post-Close | No |
| XXXXXX | 1225759942 | 1225759942 | 304894686 | Closed | 2025-12-22 04:39 | 2026-03-04 18:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-CPA letter confirms Borrower SSN is being used in place of an EIN number, Condition cleared. - Due Diligence Vendor-01/09/2026 <br> Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-01/09/2026 <br> Ready for Review-1/8 XX: A CPA letter was provided with the initial upload confirming the tax ID should be the borrower's SSN. - Due Diligence Vendor-01/09/2026 <br> Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-12/22/2025 |  | Resolved-CPA letter confirms Borrower SSN is being used in place of an EIN number, Condition cleared. - Due Diligence Vendor-01/09/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-01/09/2026<br>| XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | 6729738 | N/A | N/A |
| XXXXXX | 1225760498 | 1225760498 | 305026445 | Closed | 2025-12-22 10:24 | 2026-01-21 10:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing purchase contract - addendums | Resolved-Addendum is not required to extend the closing date. The condition has been cleared - Due Diligence Vendor-01/21/2026 <br> Counter-XXX Investor Flex Underwriting Guide 10.23.2024 states - A copy of the fully executed purchase contract is required. Audit has reviewed and confirmed that the contract specifies the transaction must close by a firm date (not an estimate); therefore, an addendum is required. Condition remains. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-1/2 XX: According to the guidelines A purchase agreement may have contingencies that are documented through addendums (sometimes called amendments or addenda). The purchase agreement addendums must be reviewed to confirm any changes to the sales prices, loan amount, or other pertinent information related to the loan. Addendums must be fully executed by all parties to the purchase agreement. Purchase agreement addendums are most commonly received for:<br>Sales price changes<br> Seller concession changes<br> Short sale transactions - Due Diligence Vendor-01/02/2026 <br> Open-All addendums to the purchase contract were not provided - Due Diligence Vendor-12/22/2025 |  | Resolved-Addendum is not required to extend the closing date. The condition has been cleared - Due Diligence Vendor-01/21/2026<br>|  |  |  | XX | Investment | Purchase | NA | 6736595 | N/A | N/A |
| XXXXXX | 1225776142 | 1225776142 | 304904445 | Closed | 2026-03-05 10:44 | 2026-03-05 15:38 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Note reflecting $XXX,XXX loan amount was received, finding resolved. - Due Diligence Vendor-03/05/2026 <br> Resolved-The Note is Present - Due Diligence Vendor-03/05/2026 <br> Ready for Review-3/5 XX please see attached please clear thank you - Due Diligence Vendor-03/05/2026 <br> Open-The Note is Incomplete An updated executed Note for the subject with a loan amount of $XXX,XXX is missing. - Due Diligence Vendor-03/05/2026 |  | Resolved-Note reflecting $XXX,XXX loan amount was received, finding resolved. - Due Diligence Vendor-03/05/2026 <br> Resolved-The Note is Present - Due Diligence Vendor-03/05/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | 7947082 | N/A | N/A |
| XXXXXX | 1225776142 | 1225776142 | 304904445 | Closed | 2026-01-20 12:38 | 2026-03-05 15:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-Deed of Trust with loan amount of $XXX,XXX received, finding resolved. - Due Diligence Vendor-03/05/2026 <br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/05/2026 <br> Ready for Review-3/5 XX please see attached, please clear thank you - Due Diligence Vendor-03/05/2026 <br> Open-A Mortgage/Deed of Trust with borrower(s) signatures was not provided. A Mortgage/Deed of Trust with correct loan amount of $XXX,XXX is missing. - Due Diligence Vendor-01/20/2026 |  | Resolved-Deed of Trust with loan amount of $XXX,XXX received, finding resolved. - Due Diligence Vendor-03/05/2026 <br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/05/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | 7184717 | N/A | N/A |
| XXXXXX | 1225787353 | 1225787353 | 305028497 | Closed | 2026-01-13 14:12 | 2026-01-21 18:00 | Resolved | 1 - Information | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Evidence of EMD from Exchange company received. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-1/16 XXX: Please note that the EMD was paid from the borrower's 1031 exchange account that was set up when they sold the REO at XXX-X XXXX XXXXX XXXXX. This means that the funds for the EMD would not have been from the borrower's personal accounts. Please see the attached documentation to confirm the 1031 exchange and the $XXX payment made for the purchase of the subject property. - Due Diligence Vendor-01/16/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements XXX EMD receipt and proof of withdrawal from the borrower's account is not in the file. - Due Diligence Vendor-01/13/2026 |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-01/22/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | XX | Investment | Purchase | NA | 7073031 | N/A | N/A |
| XXXXXX | 1225808399 | 1225808399 | 305024840 | Closed | 2026-01-26 08:11 | 2026-01-27 16:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing Guaranty Agreement | Resolved-Audit reviewed the Note and confirmed it was signed both XXX. Per lender guidelines, a Guarantee Statement is not required when the Note is signed individually. Condition cleared. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-XX 1/27 Disagree. The Note is signed XXX. Therefore the Guaranty Agreement is not required - Due Diligence Vendor-01/27/2026 <br> Open-Missing Guaranty Agreement - Due Diligence Vendor-01/26/2026 |  | Resolved-Audit reviewed the Note and confirmed it was signed both as a member and individually. Per lender guidelines, a Guarantee Statement is not required when the Note is signed individually. Condition cleared. - Due Diligence Vendor-01/27/2026<br>|  |  |  | XX | Investment | Purchase | NA | 7292786 | N/A | N/A |
| XXXXXX | 1225809275 | 1225809275 | 305013597 | Closed | 2025-12-22 02:58 | 2026-01-09 09:02 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-1/9 XX: An eligible LCA score was provided with the initial loan package - Due Diligence Vendor-01/09/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/22/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/09/2026<br>| XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | 6729230 | N/A | N/A |
| XXXXXX | 1225833898 | 1225833898 | 305028450 | Closed | 2026-01-21 05:06 | 2026-03-04 16:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Certificate of Good Standing provided, condition resolved. - Due Diligence Vendor-01/28/2026 <br> Resolved-Evidence of Good Standing provided - Due Diligence Vendor-01/28/2026 <br> Ready for Review-1/27 XXX: Please see the attached state document confirming good standing for XXXX XXXXXXXXXX XXX. - Due Diligence Vendor-01/27/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-01/21/2026 |  | Resolved-Certificate of Good Standing provided, condition resolved. - Due Diligence Vendor-01/28/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-01/28/2026<br>| XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | 7197540 | N/A | N/A |
| XXXXXX | 1225842713 | 1225842713 | 305027089 | Closed | 2026-02-02 13:42 | 2026-02-17 18:27 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Borrower's additional REO have been verified as closed with the lender. Condition cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/9 XX: Please see attached copies of the property final notes for the properties. - Due Diligence Vendor-02/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Copies of the Notes and/or Final Closing Disclosures were not provided for the recent refinancing of the borrower's other real estate-owned properties (XXXX XXXX XX and XXXXXXXXX XX) - Due Diligence Vendor-02/02/2026 |  | Resolved-Borrower's additional REO have been verified as closed with the lender. Condition cleared. - Due Diligence Vendor-02/18/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7404208 | N/A | N/A |
| XXXXXX | 1225843270 | 1225843270 | 305031656 | Closed | 2026-01-21 12:33 | 2026-02-23 10:37 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Page 4 of the Note located, condition resolved. - Due Diligence Vendor-01/28/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-01/28/2026 <br>Open-The Note is Incomplete Signature page of Note is missing. Please provide. - Due Diligence Vendor-01/21/2026 |  | Resolved-Page 4 of the Note located, condition resolved. - Due Diligence Vendor-01/28/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-01/28/2026<br>|  |  |  | XX | Investment | Purchase | NA | 7219554 | N/A | N/A |
| XXXXXX | 1225843270 | 1225843270 | 305031656 | Closed | 2026-01-22 13:54 | 2026-01-28 08:05 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Insurance Policy is Missing | Resolved-An HO6 policy is not required, as the master policy includes coverage for the interior walls per the provided certificate of property insurance. - Due Diligence Vendor-01/28/2026 <br> Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-01/28/2026 <br> Ready for Review-1/27 XX: The master policy is sufficient to cover the property, no HO-6 is required. Policy lists walls in and the XXX by-laws confirm betterments and improvements are covered. - Due Diligence Vendor-01/27/2026 <br> Open-Missing HO-6 Insurance Policy - Due Diligence Vendor-01/22/2026 |  | Resolved-An HO6 policy is not required, as the master policy includes coverage for the interior walls per the provided certificate of property insurance. - Due Diligence Vendor-01/28/2026 <br>Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-01/28/2026<br>|  |  |  | XX | Investment | Purchase | NA | 7252654 | N/A | N/A |
| XXXXXX | 1225869816 | 1225869816 | 305042301 | Closed | 2026-02-06 09:42 | 2026-02-18 11:18 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Final settlement statement from original purchase transaction of the subject property was received. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/16 XX: Please see attached document - Due Diligence Vendor-02/16/2026 <br> Open-Required documentation is missing. Missing settlement statement from the original purchase to verify source of funds. Additional findings may result upon receipt of missing documentation.<br> - Due Diligence Vendor-02/06/2026 |  | Resolved-Final settlement statement from original purchase transaction of the subject property was received. - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7489154 | N/A | N/A |
| XXXXXX | 1225884070 | 1225884070 | 305037877 | Closed | 2026-02-05 11:20 | 2026-02-18 06:18 | Resolved | 1 - Information | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-$XXX large deposit sourced with Note and wire. Condition cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/13 XX: The borrower opened a loan for $XX,XXX and received $XX,XXX payout from the loan. Please see attached copy of note and wire transfer document to source the $XX,XXX deposit. - Due Diligence Vendor-02/13/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Large deposit of $XX,XXX to XXXXX checking xXXXX on XX/XX/XXXX was documented on page 60; however, it was not explained or properly sourced. Excluding these funds the borrower would have insufficient funds to close and for required reserves.<br> - Due Diligence Vendor-02/05/2026 |  | Resolved-$XXX large deposit sourced with Note and wire. Condition cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/18/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Purchase | NA | 7471039 | N/A | N/A |
| XXXXXX | 1226008195 | 1226008195 | 305044598 | Closed | 2026-02-12 10:27 | 2026-03-05 15:11 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received final Closing Disclosure and corresponding email confirming the source of funds used for delayed financing. Finding resolved. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-3/5 XX: Please see attached document - Due Diligence Vendor-03/05/2026 <br> Counter-The settlement statement provided in the previous upload is for the subject property. We are requesting the settlement statement for the property located on XXX to confirm source of funds. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-3/2 XX: The settlement statement was provided in the previous upload. Please let me know if this is not sufficient documentation. - Due Diligence Vendor-03/02/2026 <br> Counter-Documentation provided does not meet the guideline requirements for delayed financing. Lender submitted copies of emails as borrower's source of funds. Missing Settlement Statement from refi of property on XXXXXX XX as source of funds. Finding remains - Due Diligence Vendor-02/27/2026 <br> Ready for Review-2/26 XX: Please see attached copy of the settlement statement - Due Diligence Vendor-02/26/2026 <br> Counter-Documentation provided does not meet the guideline requirements for delayed financing. Please provide Settlement Statement from refinance of property used as source of funds for the subject transaction. Finding remains - Due Diligence Vendor-02/25/2026 <br> Ready for Review-2/18 XX: Please see attached documentation that supports the source of the funds used to purchase the subject property. - Due Diligence Vendor-02/18/2026 <br> Open-Delayed Financing exists. Missing documentation to support the source of funds used to purchase the subject property. Additional findings may result upon receipt of missing documentation.<br> - Due Diligence Vendor-02/12/2026 |  | Resolved-Received final Closing Disclosure and corresponding email confirming the source of funds used for delayed financing. Finding resolved. - Due Diligence Vendor-03/05/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7585675 | N/A | N/A |
| XXXXXX | 1231617 | 1231617 | 305013548 | Closed | 2026-01-17 22:50 | 2026-03-06 15:36 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXX. Document age of days is within guidelines. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Good Standing attached. - Due Diligence Vendor-01/28/2026 <br> Open-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXX. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of 44 days exceeds guidelines. Evidence of good standing must be within 30 days on Note date. - Due Diligence Vendor-01/18/2026 |  | Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days is within guidelines. - Due Diligence Vendor-01/28/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7155277 | N/A | N/A |
| XXXXXX | 1231617 | 1231617 | 305013548 | Closed | 2026-01-19 06:07 | 2026-01-28 11:31 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Lender provided the Closing Disclosure for XXXX XXX and the Closing Disclosure for XXXXXXX XXX. Evidence was also provided confirming the borrower withdrew the application for XXXXXX XX. Condition resolved. - Due Diligence Vendor-01/28/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/28/2026 <br> Ready for Review-CD's for XXXX-XXXX X XX XXX and XXXX-XXXX XXXXXXX. 3rd loan for XXXX XXXX XX. has been withdrawn. - Due Diligence Vendor-01/28/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrower has 3 additional REOs on the URLA that have mortgages with the lender. Provide final CD/Note to verify these 3 REOs have closed. - Due Diligence Vendor-01/19/2026 |  | Resolved-Lender provided the Closing Disclosure for XXXX XXX and the Closing Disclosure for XXXXXXX XXX. Evidence was also provided confirming the borrower withdrew the application for XXXXXX XX. Condition resolved. - Due Diligence Vendor-01/28/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/28/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7161612 | N/A | N/A |
| XXXXXX | 1231617 | 1231617 | 305013548 | Closed | 2026-01-19 06:07 | 2026-01-28 11:05 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rent free letter provided. - Due Diligence Vendor-01/28/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Rent Free letter attached - Due Diligence Vendor-01/28/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower is living rent free and a rent-free letter is missing in the file. Per lender guidelines, a rent free letter is required from the owner of the borrower's current residence. - Due Diligence Vendor-01/19/2026 |  | Resolved-Rent free letter provided. - Due Diligence Vendor-01/28/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/28/2026<br>| XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7161611 | N/A | N/A |
| XXXXXX | 1231617 | 1231617 | 305013548 | Closed | 2026-01-18 00:15 | 2026-01-28 10:30 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/28/2026 <br>Ready for Review-UW 1008 attached - Due Diligence Vendor-01/28/2026 <br>Open-Missing Approval/Underwriting Summary Loan approval and DSCR calculation worksheet missing in file. - Due Diligence Vendor-01/18/2026 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/28/2026<br>| XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 7155398 | N/A | N/A |
| XXXXXX | 1525272219 | 1525272219 | 305013403 | Closed | 2026-01-15 12:21 | 2026-01-15 12:21 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. Informational finding. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. Informational finding. - Due Diligence Vendor-01/15/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7116215 | Investor Post-Close | No |
| XXXXXX | 1525272219 | 1525272219 | 305013403 | Closed | 2026-01-13 03:13 | 2026-01-15 12:20 | Resolved | 1 - Information | Compliance | AbilityToRepay:TermAndFeatures | Federal - Qualified Mortgage Loan Features (01/14) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-XX 1/15: This loan type is not subject to QM - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open-This loan cannot be a General Qualified Mortgage. The (120.0) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)). - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/15/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7055555 | N/A | N/A |
| XXXXXX | 1525272219 | 1525272219 | 305013403 | Closed | 2026-01-14 13:22 | 2026-01-14 13:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7092507 | Investor Post-Close | No |
| XXXXXX | 1225828968 | 1225828968 | 305024985 | Closed | 2026-03-15 17:06 | 2026-03-15 17:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/15/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/15/2026<br>|  |  |  | XX | Investment | Purchase | NA | 8117974 | Investor Post-Close | No |
| XXXXXX | 1525290845 | 1525290845 | 304856868 | Closed | 2026-01-06 06:58 | 2026-03-05 10:15 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-A secondary valuation supporting the origination appraisal value was received. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-01/19/26 - XXJ: Please see attached. - Due Diligence Vendor-01/19/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/06/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/22/2026<br>| XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | 6931026 | N/A | N/A |
| XXXXXX | 1525368959 | 1525368959 | 304905100 | Closed | 2025-12-26 11:31 | 2026-01-14 15:25 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title with coverage of XXXX received and cleared. - Due Diligence Vendor-01/14/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX.XX - Due Diligence Vendor-01/14/2026 <br> Ready for Review-1/14 X- see attached - Due Diligence Vendor-01/14/2026 <br> Counter-Title attached is for the wrong property address. Please resend title for the subject property. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-XX 1/6- see attached - Due Diligence Vendor-01/06/2026 <br> Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-12/26/2025 |  | Resolved-Updated title with coverage of XXXX received and cleared. - Due Diligence Vendor-01/14/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-01/14/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 6815633 | N/A | N/A |
| XXXXXX | 1525383126 | 1525383126 | 304909816 | Closed | 2026-01-20 06:09 | 2026-01-27 17:13 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Copies of the Notes and Final Closing Disclosure provided for the recent purchase of the borrower's other real estate-owned properties (XXXX XX & XXXXX XXX), condition resolved. - Due Diligence Vendor-01/27/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/27/2026 <br> Ready for Review-01/27/2025 - XX: Please see attached. - Due Diligence Vendor-01/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements copy of the Note and/or Final Closing Disclosure was not provided for the recent purchase of the borrower's other real estate-owned property. REO (XXXX XX & XXXXX XXX) - Due Diligence Vendor-01/20/2026 |  | Resolved-Copies of the Notes and Final Closing Disclosure provided for the recent purchase of the borrower's other real estate-owned properties (XXXX XX & XXXXX XXX), condition resolved. - Due Diligence Vendor-01/27/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/27/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | XX | Investment | Purchase | NA | 7175270 | N/A | N/A |
| XXXXXX | 1525383732 | 1525383732 | 305025047 | Closed | 2026-01-14 17:55 | 2026-01-16 10:08 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-Nothing is required. Informational finding only. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-XX 1/15: Please clarify what additional is needed to clear this citing - Due Diligence Vendor-01/15/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-Nothing is required. Informational finding only. - Due Diligence Vendor-01/16/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7100130 | Investor Post-Close | No |
| XXXXXX | 1525383732 | 1525383732 | 305025047 | Closed | 2026-01-03 04:20 | 2026-01-14 17:54 | Resolved | 1 - Information | Compliance | AbilityToRepay:TermAndFeatures | Federal - Qualified Mortgage Loan Features (01/14) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-XX 1/13 Disagree. This loan is not subject to QM - Due Diligence Vendor-01/13/2026 <br> Open-This loan cannot be a General Qualified Mortgage. The (120.0) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)) - Due Diligence Vendor-01/03/2026 <br> Open- - Due Diligence Vendor-01/03/2026 <br> Open- - Due Diligence Vendor-01/03/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6905495 | N/A | N/A |
| XXXXXX | 1525384181 | 1525384181 | 304905094 | Closed | 2025-12-15 13:34 | 2025-12-24 11:07 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title policy with $XXXX amount received and cleared. - Due Diligence Vendor-12/24/2025 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-12/24/2025 <br> Ready for Review-12/22 XX- see attached - Due Diligence Vendor-12/22/2025 <br> Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX Title Coverage Amount of $XXX,XXX is Less than Total Amount of Subject Lien of $XXX,XXX. Policy required title insurance to be at the note amount or greater. - Due Diligence Vendor-12/15/2025 |  | Resolved-Title policy with $XXXX amount received and cleared. - Due Diligence Vendor-12/24/2025 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-12/24/2025 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 6630387 | N/A | N/A |
| XXXXXX | 1525393886 | 1525393886 | 304911741 | Closed | 2026-01-17 23:27 | 2026-01-27 16:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Copy of CD for XX Street provided, condition resolved. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-1/26 XX: See attached CD - Due Diligence Vendor-01/26/2026 <br> Open-Final 1003 application indicates 1 new mortgage with lender on REO 3b . A copy of the Note and or final closing disclosure for the new mortgages reflected on the 1003 application are missing.<br> - Due Diligence Vendor-01/18/2026 |  | Resolved-Copy of CD for XX Street provided, condition resolved. - Due Diligence Vendor-01/27/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | 7155342 | N/A | N/A |
| XXXXXX | 1525405404 | 1525405404 | 305024777 | Closed | 2026-01-22 06:40 | 2026-01-28 09:29 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Audit has reviewed the final Closing Disclosures for XXXXXXX XX. and XXXXXXXXX XX. and determined they are sufficient. No further documentation is required. Condition resolved. - Due Diligence Vendor-01/28/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/28/2026 <br> Ready for Review-1/27 XX: We only have two new loans for this borrower, see attached CDs, please clarify what third REO is being referenced. - Due Diligence Vendor-01/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements There are 3 REOs with new loans on the URLA with the lender. Please provide final CD/Note for these REOs. - Due Diligence Vendor-01/22/2026 |  | Resolved-Audit has reviewed the final Closing Disclosures for XXXXXXX XX. and XXXXXXXXX XX. and determined they are sufficient. No further documentation is required. Condition resolved. - Due Diligence Vendor-01/28/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/28/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | 7238111 | N/A | N/A |
| XXXXXX | 1525407853 | 1525407853 | 305031071 | Closed | 2026-02-05 05:43 | 2026-03-11 14:11 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br> Counter-Please provide an approved lender exception document containing comp factors. Finding remains - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/3 XX: Although XXX understands that business assets typically cannot be used as reserves, we are requesting an exception to proceed with the loan despite the short reserve requirement. The borrower has a FICO score of 790, no mortgage late payments in the past 24 months, and a Debt Service Coverage Ratio (DSCR) of 2.15. - Due Diligence Vendor-03/03/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Per client overlay guidelines - business assets are not eligible for reserves. Please provide 3 months reserves from a personal account. - Due Diligence Vendor-02/05/2026 |  | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026<br>|  |  |  | XX | Investment | Purchase | NA | 7456349 | Investor Post-Close | No |
| XXXXXX | 1525407853 | 1525407853 | 305031071 | Closed | 2026-02-05 05:42 | 2026-03-11 14:10 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br> Counter-Please provide an approved lender exception document containing comp factors. Finding remains - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/3 XX: Although XX understands that business assets typically cannot be used as reserves, we are requesting an exception to proceed with the loan despite the short reserve requirement. The borrower has a FICO score of 790, no mortgage late payments in the past 24 months, and a Debt Service Coverage Ratio (DSCR) of 2.15. - Due Diligence Vendor-03/03/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Per client overlay guidelines - business assets are not eligible for reserves. Please provide 3 months reserves from a personal account. - Due Diligence Vendor-02/05/2026 |  | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026<br>|  |  |  | XX | Investment | Purchase | NA | 7456333 | Investor Post-Close | No |
| XXXXXX | 1525409508 | 1525409508 | 305029754 | Closed | 2026-01-17 12:45 | 2026-01-29 16:50 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/29/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/29/2026 <br> Ready for Review-XX 1/28 This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Audit used par rate of 7.698% for bona-fide fee testing. - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/17/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/29/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/29/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7154405 | N/A | N/A |
| XXXXXX | 1525409508 | 1525409508 | 305029754 | Closed | 2026-01-29 16:48 | 2026-01-29 16:48 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/29/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/29/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7360911 | Investor Post-Close | No |
| XXXXXX | 1525420146 | 1525420146 | 305031283 | Closed | 2026-02-02 17:40 | 2026-02-17 19:05 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Remaining REO history received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/10/26 - XX: 1.) XXXX XXXXXXXXX XXX: Please see the attached CD and Note. <br> 2.) XXXX XXXXXX XX: Please see the attached CD, Note, and bank statement confirming XXXXXXXX XXXX's payment of $XXX.XX <br> 3.) XXXX XXXXXXX XX: Please see the attached CD, note, and bank statements confirming payments from XXX XXXX - XXX XXXX. - Due Diligence Vendor-02/10/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Copies of the Notes and/or Final Closing Disclosures were not provided for the recent transactions of the borrower's other three real estate-owned properties (XXXXXX XX, XXXXXXX XX and XXXXXXXXX XXX) - Due Diligence Vendor-02/02/2026 |  | Resolved-Remaining REO history received and cleared. - Due Diligence Vendor-02/18/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf<br> XXXXXXX_5.pdf<br> XXXXXXX_6.pdf<br> XXXXXXX_7.pdf<br> XXXXXXX_8.pdf |  |  | XX | Investment | Purchase | NA | 7407403 | N/A | N/A |
| XXXXXX | 1525436233 | 1525436233 | 305033731 | Closed | 2026-01-26 11:43 | 2026-02-17 19:19 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-$XXX,XXX title policy received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/10 XX please see attached - Due Diligence Vendor-02/10/2026 <br> Open-Title Coverage Amount of $XXXXXX.XX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX Page#623 proposed amount on title is not covering the loan amount which is (XXX,XXX) - Due Diligence Vendor-01/26/2026 |  | Resolved-$XXX,XXX title policy received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-02/18/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7299445 | N/A | N/A |
| XXXXXX | 829014 | 829014 | 305039448 | Closed | 2026-02-02 13:42 | 2026-02-24 16:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rent Loss Coverage | Resolved-Hazard insurance contains proof of rent loss insurance, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-Rent Loss Coverage provided - Due Diligence Vendor-02/24/2026 <br>Ready for Review-See loss of use coverage item on policy, this is the equivalent to rent loss some insurance providers define the coverage as. Policy is within guidelines. Please clear. Thank you, - Due Diligence Vendor-02/19/2026 <br>Open-Hazard Insurance Policy does not reflect rent loss coverage. - Due Diligence Vendor-02/02/2026 |  | Resolved-Hazard insurance contains proof of rent loss insurance, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-Rent Loss Coverage provided - Due Diligence Vendor-02/24/2026<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other | 7404218 | N/A | N/A |
| XXXXXX | 9714665115 | 9714665115 | 305013553 | Closed | 2025-12-22 13:36 | 2026-01-06 05:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business purpose agreement received and cleared - Due Diligence Vendor-01/06/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/06/2026 <br>Ready for Review-business purpose - Due Diligence Vendor-01/05/2026 <br>Counter-Document was inadvertently deleted; can you please upload again. We apologize for the inconvenience. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Business Purpose - Due Diligence Vendor-12/26/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-12/22/2025 |  | Resolved-Business purpose agreement received and cleared - Due Diligence Vendor-01/06/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/06/2026<br>| XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | 6743738 | N/A | N/A |
| XXXXXX | 9714665115 | 9714665115 | 305013553 | Closed | 2025-12-22 14:31 | 2026-01-02 14:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Audit has reviewed the property appraiser's website and confirms property appears in the name of another party - possible family member with same last name. No lender appearing on fraud report nor an active MERS reporting. Fraud report also reflects this property as a prior mailing address in XXXX, no further documentation required, condition resolved. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-property is free and clear - no mortgage obtained, no mers reporting - Due Diligence Vendor-12/29/2025 <br> Open-Verification of mortgage is missing for Property purchased on XX/XX/XXXX per the fraud report. If property is owned free and clear, evidence of free and clear is missing. - Due Diligence Vendor-12/22/2025 |  | Resolved-Audit has reviewed the property appraiser's website and confirms property appears in the name of another party - possible family member with same last name. No lender appearing on fraud report nor an active MERS reporting. Fraud report also reflects this property as a prior mailing address in XXXX, no further documentation required, condition resolved. - Due Diligence Vendor-01/02/2026 |  |  |  | XX | Investment | Purchase | NA | 6745211 | N/A | N/A |
| XXXXXX | 1225781381 | 1225781381 | 304904543 | Closed | 2026-01-14 15:11 | 2026-01-14 15:11 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7094971 | Investor Post-Close | No |
| XXXXXX | 1225781381 | 1225781381 | 304904543 | Closed | 2025-12-17 07:33 | 2026-01-14 15:11 | Resolved | 1 - Information | Compliance | AbilityToRepay:TermAndFeatures | Federal - Qualified Mortgage Loan Features (01/14) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/14/2026 <br> Ready for Review-XX 1/9 This loan type is not subject to QM - Due Diligence Vendor-01/09/2026 <br> Open-This loan cannot be a General Qualified Mortgage. The (120.0) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)) . - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/14/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6659372 | N/A | N/A |
| XXXXXX | 830384 | 830384 | 305029112 | Closed | 2026-02-10 11:09 | 2026-03-12 21:25 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Acknowledged-Client has acknowledged exception to lender guidelines and has requested downgrade based on DSCR of 1.41, clear recent credit history and XXX. - Due Diligence Vendor-03/13/2026 <br>Open-Ineligible transaction due to subject property is vacant and guides require SFR to be leased at the time of closing and must provide evidence that the property has been leased. - Due Diligence Vendor-02/10/2026 |  | Acknowledged-Client has acknowledged exception to lender guidelines and has requested downgrade based on DSCR of 1.41, clear recent credit history and XXX. - Due Diligence Vendor-03/13/2026<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other | 7540185 | Investor Post-Close | No |

---

## Exhibit 99.40

**Exhibit 99.40**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 1034000328841 | 1034000328841 | 304911373 | $XXXXXXX D C A |
| 1225413844 | 1225413844 | 305030935 | $XXXXXXX A C |
| 1225573687 | 1225573687 | 304872633 | $XXXXXXX A |
| 1225579432 | 1225579432 | 305027385 | $XXXXXXX C A |
| 1225617935 | 1225617935 | 304902333 | $XXXXXXX A |
| 1225670691 | 1225670691 | 304893478 | $XXXXXXX A |
| 1225688447 | 1225688447 | 304909847 | $XXXXXXX A C B |
| 1225690140 | 1225690140 | 304911408 | $XXXXXXX A |
| 1225696157 | 1225696157 | 304911407 | $XXXXXXX A |
| 1225710084 | 1225710084 | 304872623 | $XXXXXXX A |
| 1225722509 | 1225722509 | 304909846 | $XXXXXXX A |
| 1225739412 | 1225739412 | 304911405 | $XXXXXXX A D |
| 1225743666 | 1225743666 | 305024796 | $XXXXXXX C A |
| 1225746624 | 1225746624 | 304891049 | $XXXXXXX B C A |
| 1225752560 | 1225752560 | 305012681 | $XXXXXXX A |
| 1225756024 | 1225756024 | 304889345 | $XXXXXXX A |
| 1225759005 | 1225759005 | 304894623 | $XXXXXXX A |
| 1225759942 | 1225759942 | 304894686 | $XXXXXXX D A |
| 1225760498 | 1225760498 | 305026445 | $XXXXXXX D A |
| 1225765224 | 1225765224 | 304907322 | $XXXXXXX A |
| 1225769027 | 1225769027 | 304911756 | $XXXXXXX A |
| 1225772610 | 1225772610 | 305027294 | $XXXXXXX A |
| 1225774837 | 1225774837 | 304908701 | $XXXXXXX A |
| 1225776142 | 1225776142 | 304904445 | $XXXXXXX D A |
| 1225780619 | 1225780619 | 304904453 | $XXXXXXX A |
| 1225785066 | 1225785066 | 304905189 | $XXXXXXX A |
| 1225785501 | 1225785501 | 305030931 | $XXXXXXX A |
| 1225787353 | 1225787353 | 305028497 | $XXXXXXX C A |
| 1225787404 | 1225787404 | 304907319 | $XXXXXXX A |
| 1225790130 | 1225790130 | 304908509 | $XXXXXXX A |
| 1225793318 | 1225793318 | 305031032 | $XXXXXXX A |
| 1225794646 | 1225794646 | 305013602 | $XXXXXXX A |
| 1225796305 | 1225796305 | 305027064 | $XXXXXXX A |
| 1225797814 | 1225797814 | 304911011 | $XXXXXXX A |
| 1225799971 | 1225799971 | 304911391 | $XXXXXXX A |
| 1225800463 | 1225800463 | 305013601 | $XXXXXXX A |
| 1225801852 | 1225801852 | 304993656 | $XXXXXXX A |
| 1225802008 | 1225802008 | 305031526 | $XXXXXXX A |
| 1225802325 | 1225802325 | 305012670 | $XXXXXXX A |
| 1225807592 | 1225807592 | 305013373 | $XXXXXXX A |
| 1225807607 | 1225807607 | 305012667 | $XXXXXXX A |
| 1225808399 | 1225808399 | 305024840 | $XXXXXXX D A |
| 1225809275 | 1225809275 | 305013597 | $XXXXXXX A C |
| 1225811365 | 1225811365 | 305013411 | $XXXXXXX A |
| 1225812080 | 1225812080 | 305029882 | $XXXXXXX A |
| 1225812261 | 1225812261 | 305029238 | $XXXXXXX A |
| 1225813381 | 1225813381 | 305026207 | $XXXXXXX A |
| 1225814058 | 1225814058 | 305024932 | $XXXXXXX A |
| 1225815806 | 1225815806 | 305027150 | $XXXXXXX A |
| 1225815862 | 1225815862 | 305027149 | $XXXXXXX A |
| 1225817158 | 1225817158 | 305023565 | $XXXXXXX A |
| 1225821553 | 1225821553 | 305027338 | $XXXXXXX A |
| 1225822764 | 1225822764 | 305030521 | $XXXXXXX A |
| 1225822775 | 1225822775 | 305030520 | $XXXXXXX A |
| 1225822789 | 1225822789 | 305030519 | $XXXXXXX A |
| 1225822798 | 1225822798 | 305030565 | $XXXXXXX A |
| 1225828968 | 1225828968 | 305024985 | $XXXXXXX A |
| 1225832544 | 1225832544 | 305028266 | $XXXXXXX A |
| 1225833393 | 1225833393 | 305028264 | $XXXXXXX A |
| 1225833898 | 1225833898 | 305028450 | $XXXXXXX D A |
| 1225835698 | 1225835698 | 305026434 | $XXXXXXX A |
| 1225838915 | 1225838915 | 305026596 | $XXXXXXX A |
| 1225840113 | 1225840113 | 305028192 | $XXXXXXX A |
| 1225842713 | 1225842713 | 305027089 | $XXXXXXX C A |
| 1225843270 | 1225843270 | 305031656 | $XXXXXXX D A |
| 1225851322 | 1225851322 | 305033691 | $XXXXXXX A |
| 1225851371 | 1225851371 | 305033689 | $XXXXXXX A |
| 1225851393 | 1225851393 | 305033688 | $XXXXXXX A |
| 1225851400 | 1225851400 | 305033687 | $XXXXXXX A |
| 1225864078 | 1225864078 | 305031296 | $XXXXXXX A |
| 1225868206 | 1225868206 | 305029685 | $XXXXXXX A |
| 1225869816 | 1225869816 | 305042301 | $XXXXXXX D A |
| 1225869906 | 1225869906 | 305029863 | $XXXXXXX A |
| 1225870852 | 1225870852 | 305030515 | $XXXXXXX A |
| 1225871758 | 1225871758 | 305039606 | $XXXXXXX A |
| 1225884070 | 1225884070 | 305037877 | $XXXXXXX C A |
| 1226008195 | 1226008195 | 305044598 | $XXXXXXX D A |
| 1226011927 | 1226011927 | 305036884 | $XXXXXXX A |
| 1231617 | 1231617 | 305013548 | $XXXXXXX D A |
| 1234946 | 1234946 | 304903210 | $XXXXXXX A |
| 1525272219 | 1525272219 | 305013403 | $XXXXXXX A C B |
| 1525283853 | 1525283853 | 305030612 | $XXXXXXX A |
| 1525290845 | 1525290845 | 304856868 | $XXXXXXX A C |
| 1525336239 | 1525336239 | 304907217 | $XXXXXXX A |
| 1525351042 | 1525351042 | 304897601 | $XXXXXXX A |
| 1525361960 | 1525361960 | 304893938 | $XXXXXXX A |
| 1525365976 | 1525365976 | 304993647 | $XXXXXXX A |
| 1525368959 | 1525368959 | 304905100 | $XXXXXXX C A |
| 1525369841 | 1525369841 | 305031730 | $XXXXXXX A |
| 1525379365 | 1525379365 | 305029172 | $XXXXXXX A |
| 1525383126 | 1525383126 | 304909816 | $XXXXXXX C A |
| 1525383732 | 1525383732 | 305025047 | $XXXXXXX A C |
| 1525384181 | 1525384181 | 304905094 | $XXXXXXX C A |
| 1525389684 | 1525389684 | 304909391 | $XXXXXXX A |
| 1525390711 | 1525390711 | 304909622 | $XXXXXXX A |
| 1525392171 | 1525392171 | 305027332 | $XXXXXXX A |
| 1525393886 | 1525393886 | 304911741 | $XXXXXXX D A |
| 1525394051 | 1525394051 | 305025046 | $XXXXXXX A |
| 1525394762 | 1525394762 | 304993639 | $XXXXXXX A |
| 1525397962 | 1525397962 | 305026112 | $XXXXXXX A |
| 1525398015 | 1525398015 | 305027472 | $XXXXXXX A |
| 1525398220 | 1525398220 | 305027143 | $XXXXXXX A |
| 1525398866 | 1525398866 | 305033586 | $XXXXXXX A |
| 1525405404 | 1525405404 | 305024777 | $XXXXXXX C A |
| 1525407653 | 1525407653 | 305029683 | $XXXXXXX A |
| 1525407853 | 1525407853 | 305031071 | $XXXXXXX C A B |
| 1525409508 | 1525409508 | 305029754 | $XXXXXXX A C |
| 1525410174 | 1525410174 | 305031340 | $XXXXXXX A |
| 1525413703 | 1525413703 | 305027417 | $XXXXXXX A |
| 1525419969 | 1525419969 | 305028137 | $XXXXXXX A |
| 1525420146 | 1525420146 | 305031283 | $XXXXXXX C A |
| 1525424879 | 1525424879 | 305031685 | $XXXXXXX A |
| 1525436233 | 1525436233 | 305033731 | $XXXXXXX C A B |
| 1525436719 | 1525436719 | 305033671 | $XXXXXXX A |
| 1525437693 | 1525437693 | 305031281 | $XXXXXXX A |
| 1525440386 | 1525440386 | 305036556 | $XXXXXXX A |
| 23436550 | 23436550 | 304891113 | $XXXXXXX A |
| 3010531880 | 3010531880 | 304896758 | $XXXXXXX A |
| 3010533845 | 3010533845 | 304897059 | $XXXXXXX A |
| 828760 | 828760 | 305039450 | $XXXXXXX A |
| 829006 | 829006 | 305039449 | $XXXXXXX A |
| 829014 | 829014 | 305039448 | $XXXXXXX D A |
| 831298 | 831298 | 305039436 | $XXXXXXX A |
| 9714665115 | 9714665115 | 305013553 | $XXXXXXX D A |
| 9718946024 | 9718946024 | 304868072 | $XXXXXXX A |
| 9722905776 | 9722905776 | 304904055 | $XXXXXXX A |
| 9730808079 | 9730808079 | 305013628 | $XXXXXXX A |
| 9732958773 | 9732958773 | 304875963 | $XXXXXXX A |
| 829483 | 829483 | 304911575 | $XXXXXXX A |
| 828947 | 828947 | 304899023 | $XXXXXXX A |
| 828878 | 828878 | 304899050 | $XXXXXXX A |
| 1225627308 | 1225627308 | 304828421 | $XXXXXXX A |
| 1225781381 | 1225781381 | 304904543 | $XXXXXXX A C |
| 1225552762 | 1225552762 | 305031690 | $XXXXXXX A |
| 1225821413 | 1225821413 | 305031300 | $XXXXXXX A |
| 1225826717 | 1225826717 | 305026205 | $XXXXXXX A |
| 1525390683 | 1525390683 | 304911007 | $XXXXXXX A |
| 1525437725 | 1525437725 | 305031561 | $XXXXXXX A |
| 1526000444 | 1526000444 | 305034521 | $XXXXXXX A |
| 830384 | 830384 | 305029112 | $XXXXXXX C A B |

---

## Exhibit 99.41

**Exhibit 99.41**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 1034000328841 | 1034000328841 | 304911373 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 64.99 | 64.99 | $XXXXXXX | $XXXXXXX | -.0726 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | $XXXXXXXX | -.0726 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 1225413844 | 1225413844 | 305030935 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | $XXXXXXX | .0216 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0216 | 97.0 | 0.03 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible |  |  |
| 1225573687 | 1225573687 | 304872633 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 50.0 | 50.0 | $XXXXXXX | 0.0 | .0000 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | 94.0 | 0.06 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225579432 | 1225579432 | 305027385 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 1225617935 | 1225617935 | 304902333 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | $XXXXXXX | -.0797 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0797 | 90.0 | 0.1 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225670691 | 1225670691 | 304893478 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | 92.0 | 0.08 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225688447 | 1225688447 | 304909847 | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 69.03 | 69.03 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
| 1225690140 | 1225690140 | 304911408 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225696157 | 1225696157 | 304911407 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225710084 | 1225710084 | 304872623 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 78.49 | 78.49 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225722509 | 1225722509 | 304909846 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225739412 | 1225739412 | 304911405 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 1225743666 | 1225743666 | 305024796 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 1225746624 | 1225746624 | 304891049 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 59.67 | 59.67 |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .1400 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225752560 | 1225752560 | 305012681 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 1225756024 | 1225756024 | 304889345 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225759005 | 1225759005 | 304894623 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| 1225759942 | 1225759942 | 304894686 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 38.98 | 38.98 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 1225760498 | 1225760498 | 305026445 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225765224 | 1225765224 | 304907322 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 1225769027 | 1225769027 | 304911756 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225772610 | 1225772610 | 305027294 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225774837 | 1225774837 | 304908701 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 1225776142 | 1225776142 | 304904445 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 74.04 | 74.04 | $XXXXXXX | $XXXXXXX | .0137 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0137 | 97.0 | 0.03 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225780619 | 1225780619 | 304904453 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | $XXXXXXX | -.0131 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0131 | 98.0 | 0.02 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225785066 | 1225785066 | 304905189 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225785501 | 1225785501 | 305030931 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225787353 | 1225787353 | 305028497 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 50.62 | 50.62 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225787404 | 1225787404 | 304907319 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225790130 | 1225790130 | 304908509 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | 92.0 | 0.08 | XXXXXXX | iAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225793318 | 1225793318 | 305031032 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225794646 | 1225794646 | 305013602 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225796305 | 1225796305 | 305027064 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225797814 | 1225797814 | 304911011 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 44.94 | 44.94 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225799971 | 1225799971 | 304911391 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | $XXXXXXX | -.0340 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0340 | 94.0 | 0.06 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225800463 | 1225800463 | 305013601 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225801852 | 1225801852 | 304993656 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225802008 | 1225802008 | 305031526 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225802325 | 1225802325 | 305012670 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225807592 | 1225807592 | 305013373 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225807607 | 1225807607 | 305012667 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225808399 | 1225808399 | 305024840 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225809275 | 1225809275 | 305013597 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible |  |  |
| 1225811365 | 1225811365 | 305013411 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225812080 | 1225812080 | 305029882 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 89.99 | 89.99 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 1225812261 | 1225812261 | 305029238 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 1225813381 | 1225813381 | 305026207 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 65.0 | 65.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 1225814058 | 1225814058 | 305024932 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 41.75 | 41.75 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 1225815806 | 1225815806 | 305027150 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | $XXXXXXX | -.0141 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0141 | 79.0 | 0.21 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225815862 | 1225815862 | 305027149 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225817158 | 1225817158 | 305023565 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225821553 | 1225821553 | 305027338 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225822764 | 1225822764 | 305030521 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225822775 | 1225822775 | 305030520 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225822789 | 1225822789 | 305030519 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 1225822798 | 1225822798 | 305030565 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225828968 | 1225828968 | 305024985 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0192 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 1225832544 | 1225832544 | 305028266 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 1225833393 | 1225833393 | 305028264 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 1225833898 | 1225833898 | 305028450 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 1225835698 | 1225835698 | 305026434 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 1225838915 | 1225838915 | 305026596 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225840113 | 1225840113 | 305028192 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 1225842713 | 1225842713 | 305027089 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225843270 | 1225843270 | 305031656 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225851322 | 1225851322 | 305033691 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225851371 | 1225851371 | 305033689 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 1225851393 | 1225851393 | 305033688 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 1225851400 | 1225851400 | 305033687 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 1225864078 | 1225864078 | 305031296 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225868206 | 1225868206 | 305029685 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 54.93 | 54.93 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225869816 | 1225869816 | 305042301 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225869906 | 1225869906 | 305029863 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | $XXXXXXX | .0329 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0329 | 91.0 | 0.09 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225870852 | 1225870852 | 305030515 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225871758 | 1225871758 | 305039606 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | $XXXXXXX | -.0262 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0262 | 95.0 | 0.05 | XXXXXXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225884070 | 1225884070 | 305037877 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1226008195 | 1226008195 | 305044598 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 60.0 | 60.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1226011927 | 1226011927 | 305036884 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1231617 | 1231617 | 305013548 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 69.75 | 69.75 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1234946 | 1234946 | 304903210 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525272219 | 1525272219 | 305013403 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 44.64 | 44.64 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| 1525283853 | 1525283853 | 305030612 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 1525290845 | 1525290845 | 304856868 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 65.0 | 65.0 |  |  |  |  | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525336239 | 1525336239 | 304907217 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1525351042 | 1525351042 | 304897601 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1525361960 | 1525361960 | 304893938 | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 71.76 | 71.76 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525365976 | 1525365976 | 304993647 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1525368959 | 1525368959 | 304905100 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 1525369841 | 1525369841 | 305031730 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525379365 | 1525379365 | 305029172 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1525383126 | 1525383126 | 304909816 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 1525383732 | 1525383732 | 305025047 | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 60.64 | 60.64 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible | 1 | XX/XX/XXXX |
| 1525384181 | 1525384181 | 304905094 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525389684 | 1525389684 | 304909391 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1525390711 | 1525390711 | 304909622 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 55.95 | 55.95 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 1525392171 | 1525392171 | 305027332 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 57.75 | 57.75 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1525393886 | 1525393886 | 304911741 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 71.43 | 71.43 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1525394051 | 1525394051 | 305025046 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 1525394762 | 1525394762 | 304993639 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | $XXXXXXX | .0294 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0294 | 93.0 | 0.07 | XXXXXXX | HVE | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525397962 | 1525397962 | 305026112 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1525398015 | 1525398015 | 305027472 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 1525398220 | 1525398220 | 305027143 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1525398866 | 1525398866 | 305033586 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 38.71 | 38.71 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 1525405404 | 1525405404 | 305024777 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525407653 | 1525407653 | 305029683 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 1525407853 | 1525407853 | 305031071 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 74.68 | 74.68 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 1525409508 | 1525409508 | 305029754 | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 89.94 | 89.94 | $XXXXXXX | $XXXXXXX | -.0061 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 1525410174 | 1525410174 | 305031340 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 1525413703 | 1525413703 | 305027417 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525419969 | 1525419969 | 305028137 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1525420146 | 1525420146 | 305031283 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525424879 | 1525424879 | 305031685 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 60.0 | 60.0 | $XXXXXXX | $XXXXXXX | .0500 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0500 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525436233 | 1525436233 | 305033731 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525436719 | 1525436719 | 305033671 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 1525437693 | 1525437693 | 305031281 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | $XXXXXXX | .0764 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0764 | 94.0 | 0.06 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525440386 | 1525440386 | 305036556 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0534 | 90.0 | 0.1 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XX/XX/XXXX |
| 23436550 | 23436550 | 304891113 | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 3010531880 | 3010531880 | 304896758 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3010533845 | 3010533845 | 304897059 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 74.9 | 74.9 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 828760 | 828760 | 305039450 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 829006 | 829006 | 305039449 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 78.0 | 78.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 829014 | 829014 | 305039448 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 831298 | 831298 | 305039436 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | Other | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 65.0 | 65.0 | $XXXXXXX | $XXXXXXX | .0057 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0057 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9714665115 | 9714665115 | 305013553 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9718946024 | 9718946024 | 304868072 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 77.98 | 77.98 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9722905776 | 9722905776 | 304904055 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9730808079 | 9730808079 | 305013628 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 66.0 | 66.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9732958773 | 9732958773 | 304875963 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 829483 | 829483 | 304911575 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | Other | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | $XXXXXXX | .0112 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0112 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 828947 | 828947 | 304899023 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 70.0 | 70.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 828878 | 828878 | 304899050 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1225627308 | 1225627308 | 304828421 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225781381 | 1225781381 | 304904543 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 60.0 | 60.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 1225552762 | 1225552762 | 305031690 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225821413 | 1225821413 | 305031300 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1225826717 | 1225826717 | 305026205 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1525390683 | 1525390683 | 304911007 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 56.88 | 56.88 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 1525437725 | 1525437725 | 305031561 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 1526000444 | 1526000444 | 305034521 | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 80.0 | 80.0 | $XXXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 830384 | 830384 | 305029112 | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXXX | XXXXXXX | XXXX | $XXXXXXX | 75.0 | 75.0 | $XXXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.42

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

**Exhibit 99.42**

![](ex9942001.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;**(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 JPMorgan Chase Bank, National Association (the "Client"). The review was conducted between January 8, 2025 and March 6, 2026 via files imaged and provided for review (the "Review").

&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 112 Non-QM loans and 48 ATR-QM exempt loans for a total of 160 loans (the "Final Securitization Population").

*<u>Credit Reviews (160):</u>*

During the Review, Selene performed a credit review on 160 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (160)</u>*

During the Review, Selene performed a compliance review on 160 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (160):</u>*

During the Review, Selene performed a property valuation review on 160 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (160):</u>*

During the Review, Selene performed a Data Integrity Review on 160 mortgage loans in the Final Securitization Population.

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

![](ex9942001.jpg)

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 160 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;160 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;160 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;160 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;160 | &nbsp;&nbsp;100% |

---

&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, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Moody's Investors Service, Inc. ("Moody's"), and Kroll Bond Rating Agency, LLC ("Kroll") (the "NRSRO(s)").

&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;**(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>**

Choice Non-QM Underwriting Guidelines, Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, ACC Mortgage Underwriting Guidelines, CV3 Financial Services Underwriting Procedures, United Wholesale Mortgage Bank Statement Guidelines, Easy Street DSCR Guidelines, LoanStream Core Guide, LoanStream One Guide, (collectively the "Guidelines")

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

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

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

![](ex9942001.jpg)

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

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

&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; and

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

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

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument, with respect to the ATR-QM Exempt Loans. With respect to the Non-QM loans, Selene tested 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. Please see Appendix B for additional information.

&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.

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

![](ex9942001.jpg)

&nbsp;&nbsp;**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 160 mortgage loans, (ii) a Compliance Review on 160 mortgage loans (iii) a Valuation Review on 160 mortgage loans, and (iv) a Data Integrity Review on 160 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 160 mortgage loans; 39 mortgage loans had a rating grade of A, 14 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ***Grades per loan (160 overall loans):*** | ***Grades per loan (160 overall loans):*** | ***Grades per loan (160 overall loans):*** | ***Grades per loan (160 overall loans):*** | ***Grades per loan (160 overall loans):*** | ***Grades per loan (160 overall loans):*** | ***Grades per loan (160 overall loans):*** | ***Grades per loan (160 overall loans):*** | ***Grades per loan (160 overall loans):*** | ***Grades per loan (160 overall loans):*** | ***Grades per loan (160 overall loans):*** | | |
| | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** |
| **NRSRO Grade** | **S&P** | **Kroll** | **DBRS** | **Fitch** | **Moody's** | **%** | **S&P** | **Kroll** | **DBRS** | **Fitch** | **Moody's** | **%** |
| A | 15 | 15 | 15 | 15 | 15 | 28.30% A | 39 | 39 | 39 | 39 | 39 | 73.58% |
| B | 3 | 3 | 3 | 3 | 3 | 5.66% B | 14 | 14 | 14 | 14 | 14 | 26.42% |
| C | 7 | 7 | 7 | 7 | 7 | 13.21% C | 0 | 0 | 0 | 0 | 0 | 0.00% |
| D | 28 | 28 | 28 | 28 | 28 | 52.83% D | 0 | 0 | 0 | 0 | 0 | 0.00% |

---

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

![](ex9942001.jpg)

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | ***Final Grades per loan broken out by compliance, credit and property:*** | | |
| | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** |
| **NRSRO Grade** | **S&P** | **Kroll** | **DBRS** | **Fitch** | **Moody's** | **%** | **S&P** | **Kroll** | **DBRS** | **Fitch** | **Moody's** | **%** |
| A | 47 | 47 | 47 | 47 | 47 | 88.68% A | 43 | 43 | 43 | 43 | 43 | 81.13% |
| B | 6 | 6 | 6 | 6 | 6 | 11.32% B | 10 | 10 | 10 | 10 | 10 | 18.87% |
| C | 0 | 0 | 0 | 0 | 0 | 0.00% C | 0 | 0 | 0 | 0 | 0 | 0.00% |
| D | 0 | 0 | 0 | 0 | 0 | 0.00% D | 0 | 0 | 0 | 0 | 0 | 0.00% |
|  | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** |  |  |  |  |  |  |
| **NRSRO Grade** | **S&P** | **Kroll** | **DBRS** | **Fitch** | **Moody's** | **%** |  |  |  |  |  |  |
| A | 52 | 52 | 52 | 52 | 52 | 98.11% |  |  |  |  |  |  |
| B | 1 | 1 | 1 | 1 | 1 | 1.89% |  |  |  |  |  |  |
| C | 0 | 0 | 0 | 0 | 0 | 0.00% |  |  |  |  |  |  |
| D | 0 | 0 | 0 | 0 | 0 | 0.00% |  |  |  |  |  |  |

---

**<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.

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

![](ex9942001.jpg)

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
Due Diligence 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

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

**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

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

**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;

&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;

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

&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.

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

**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:

**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.

&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;

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

&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.

**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

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

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

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

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

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.

**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.

&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;

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

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)).

<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.

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

**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):

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

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

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

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

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

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

**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.

JPMMT 2026-NQX1 Executive Summary (Selene Diligence)

## Exhibit 99.43

**Exhibit 99.43**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 304481909 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304481909 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481909 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481974 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481974 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481974 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481801 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304481801 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304481801 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304481801 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481946 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304638137 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304638137 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304638137 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304638137 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304498025 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304643588 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304643588 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304643588 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304655192 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304655192 | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304655192 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304655192 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304511201 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304511201 | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304511201 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304511201 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304511201 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304511201 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304692825 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304695038 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304695038 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304701957 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701957 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709153 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701943 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304695065 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304695065 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719750 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304734541 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730916 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304730916 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730916 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734516 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304731335 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Lien Position | TitlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304902817 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304902817 | XXXX | Occupancy | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304902817 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304902817 | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| XXXX |  | 304902817 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304902817 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304902817 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304844069 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304844069 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304844069 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304844069 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304844069 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304844198 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304844198 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304844198 | XXXX | Lien Position | TitlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304844198 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304859499 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859499 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859499 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859499 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304859499 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304823750 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304823750 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304823750 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304823750 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304871907 | XXXX | Property City | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304871907 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304827035 | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304827035 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304827035 | XXXX | Primary Appraisal Date | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304827035 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304848642 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304848642 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304848642 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893250 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893250 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304875234 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304852781 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304852781 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304852781 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893350 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893372 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893372 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893372 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893370 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893370 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893370 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893370 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893371 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893371 | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893371 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893371 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893340 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893340 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893340 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304874402 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304874402 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304874402 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304874402 | XXXX | Maturity Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304874402 | XXXX | First Payment Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898808 | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898808 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898833 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898830 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898830 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304902634 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040460 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040460 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304845639 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304845639 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898738 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898687 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898680 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898680 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898680 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898644 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898644 | XXXX | Actual in Place Rent From Lease | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304875233 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304875233 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893341 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893341 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893316 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893177 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893177 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893177 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893177 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893177 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304779988 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893096 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893096 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893064 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893064 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893064 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893064 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 305040458 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040458 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305011942 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305011942 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304875827 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304875827 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304875882 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304875882 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304875882 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893100 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304904539 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304909424 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304909424 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304902326 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304908699 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304993667 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304907146 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304894306 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304902320 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304871445 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304871445 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304911776 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304896350 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304897009 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304911402 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304897428 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304897428 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304897428 | XXXX | Primary Appraisal Date | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304897428 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305013355 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305024933 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305025052 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027042 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027042 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305027042 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027340 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305027340 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304993661 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027039 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305025062 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305025062 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305025062 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305024858 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305024858 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305024858 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305026125 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304907264 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304907264 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305013577 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305013577 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305026209 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305026209 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305024782 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305026444 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305024838 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305013676 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304874821 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305024004 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305023786 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027479 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304903231 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305030514 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305030514 | XXXX | Primary Appraisal Date | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304822750 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305028267 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027842 | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027842 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305024841 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304911374 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304911374 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305024937 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304893723 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893723 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893723 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305029649 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029239 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305026173 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304897420 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305030747 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305013362 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305024449 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304909425 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305026431 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305026127 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305013683 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305013683 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305013683 | XXXX | Primary Appraisal Date | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305029235 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305024927 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029544 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027044 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305027044 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304904564 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027142 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305013404 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031321 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029858 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029168 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305024450 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305024450 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305024450 | XXXX | Primary Appraisal Date | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305027032 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305025541 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031566 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031002 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027384 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031607 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305028384 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029870 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031651 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029552 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029552 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305028940 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031609 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305030930 | XXXX | Borrower 1 Citizen | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 305030930 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304993640 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036566 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305036566 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031496 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305031496 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031286 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305031286 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031286 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027333 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029864 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029864 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757443 | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757443 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |

---

## Exhibit 99.44

**Exhibit 99.44**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **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 |  | 304481909 | Closed | 2025-01-10 06:26 | 2025-01-22 17:42 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX agrees with exception approved by XXXXXXX on XX.XX.XX - Buyer-XX/XX/XXXX <br>Open-Exception approved to proceed with non-borrowing spouse joint on personal bank statements used for BBS income analysis. Borrower's income is direct deposited from payor that identifies Borrower's name in memo line, clearly delineating who's income. Comp factors include DTI < XX%, > Xx residual. Exception Letter on page no XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | FICO XXX <br> XX% DTI <br> XX mos reserves | TX | Primary Residence | Purchase | NA | 3179609 | Investor Post-Close | No |
| XXXX | XXXX |  | 304481909 | Closed | 2025-01-10 05:59 | 2025-01-21 10:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Home loan toolkit is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 3179451 | N/A | N/A |
| XXXX | XXXX |  | 304481974 | Closed | 2025-01-30 06:43 | 2025-02-19 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Counter-Receipt of this income calculation w/s, however the income used by the underwriter on XXXX was $XX,XXX which does not match figures on the worksheet.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached income worksheet - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Income Calculation Worksheet in file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXX.pdf<br>XXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | GA | Primary Residence | Purchase | NA | 3314912 | N/A | N/A |
| XXXX | XXXX |  | 304481974 | Closed | 2025-01-30 20:07 | 2025-01-30 20:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX. Rate lock date was entered correctly see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#' XX, XXXX and copy of the appraisal was given to the borrower see Pg XX, XXXX, XXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXX) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX. Rate lock date was entered correctly see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, XXXX the appraisal disclosure was provided to the borrower(s)- see Pg#' XX, XXXX and copy of the appraisal was given to the borrower see Pg XX, XXXX, XXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3322950 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-05 23:46 | 2025-02-12 14:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-the Initial CD was received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Miissng initial CD. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-the Initial CD was received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 3362455 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-12 14:34 | 2025-02-12 14:47 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ___XXX__ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _XXX____ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XX__ , and copy of the appraisal was given to the borrower – see Pg#'s ___XX___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXX) open - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s ___XXX__ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _XXX____ An interior and exterior appraisal was completed for this property – see pg _XX___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XX__ , and copy of the appraisal was given to the borrower – see Pg#'s ___XX___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3411402 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-12 14:34 | 2025-02-12 14:35 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Loan Product of (FIXED RATE) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXXXXX); XXXXXXX; XXXXXXX) open - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3411400 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-12 14:34 | 2025-02-12 14:35 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The last Closing Disclosure Received Date (XXXX-XX-XX) is not at least X business days before the consummation date of (XXXX-XX-XX). The (XXXXX XXXX) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (XXXXX XXXX) Loan Product. Under XXXXXXXXXX X, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX XXX XXXXXXXXXX.X(X)(X)(X); XXX XX(X)(X)(X)-X) open - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3411401 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-05 22:22 | 2025-02-11 04:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. SE VOE uploaded - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE is missing . Please Provide - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. SE VOE uploaded - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXX XXXXXXXX XX XXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 3362237 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-05 22:22 | 2025-02-11 04:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. SE VOE uploaded - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE is missing . Please Provide - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. SE VOE uploaded - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXX XXXXXXXX XX XXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 3362238 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-06 13:53 | 2025-02-07 10:09 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Waived-Waiver and comp factors provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception - XXXXXX-XX/XX/XXXX <br>Open-Exception pg no: XXX<br> Exception approved to use X different bank accounts to meet the most recent XX mo<br> statements for BBS income analysis. Bwr explains banks changed due to credit card offers and keeping<br> all banking with the same institution. deposits remained consistent after move. Bwr has DTI < XX%, >$XXX residual, and > XX mo reserves. <br> Exception to use X different bank accounts for XX months business income per borrower's lox XXXXX offered better services/ XX% LTV/XX mos reserves/ XXX CS/ meets residual/<br> low DTI/<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Waiver and comp factors provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br>| TX | Primary Residence | Purchase | NA | 3369597 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304481946 | Closed | 2025-02-06 01:07 | 2025-02-27 15:16 | Resolved | 1 - Information C A | Compliance | Enterprise:FeeLimits | ER - Texas Constitution 2% Fee Limit | Resolved-Clarification received, data updated. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Points should not count towards the X%. - XXXXXX-XX/XX/XXXX <br>Counter-Broker compensation is excluded. Fees are over by $XXX.XX which include discount fee. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Management communication through e-mail - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We have received a finding regarding the XXXXXX XXXXXXXXXXXX, which limits fees to no more than X% of the principal balance on a non-purchase money loan (XXX. XXXXXX. XXX. XX XXX(X)(X)(X); X XX XXX XXX. XXX.X). Could you please provide a PCCD allocation that outlines where the credit has been applied?<br> Our Closing department has re-run Mavent, and it shows as passing. Could you kindly confirm on your end that the Broker compensation is included as LPC in your calculations?<br> - XXXXXX-XX/XX/XXXX <br>Open-The XXXXXX XXXXXXXXXXXX prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (XXX. XXXXXX. XXX. XX XXX(X)(X)(X); X XX XXX XXX. XXX.X) Please provide PCCD allocating where credit is applied. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Clarification received, data updated. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXX_XX fee rebuttal.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 3362641 | N/A | N/A |
| XXXX | XXXX |  | 304481946 | Closed | 2025-02-06 01:19 | 2025-02-14 14:19 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-EVX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review- Let's move forward with acknowledge them as a Xb non-material condition. - XXXXXX-XX/XX/XXXX <br>Open-Broker fee paid by Lender on section A, so required Anti-Steering Disclosure which is missing in the file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-EVX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 3362677 | Originator Post-Close | No |
| XXXX | XXXX |  | 304481946 | Closed | 2025-02-07 12:11 | 2025-02-14 10:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Document received, data updated - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find attached the final CD, which includes an over-tolerance credit of $XX.XX to account for the increase in the credit report fee from $XXX.XX to $XXX.XX. No COC should be required. - XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXXXXXX.X(X); XX XXX XXXXXXXXXX.X(X); XX XXX XXXXXXXXXX.X(X)). - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please find attached the final CD, which includes an over-tolerance credit of $XX.XX to account for the increase in the credit report fee from $XXX.XX to $XXX.XX. No COC should be required. - XXXXXX-XX/XX/XXXX<br>| Resolved-Document received, data updated - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXX_rebuttal.pdf<br>XXXXXXXXXX_XXXXX_final cd.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 3378093 | N/A | N/A |
| XXXX | XXXX |  | 304481946 | Closed | 2025-02-06 01:07 | 2025-02-09 23:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX-XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, XXXX-XXXX , and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX-XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, XXXX-XXXX , and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 3362642 | N/A | N/A |
| XXXX | XXXX |  | 304638137 | Closed | 2025-02-13 06:25 | 2025-02-18 04:43 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Sizer document is pending from file. Please provide document detailing DSCR calculation, PITIA, reserves required, etc - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXXX.pdf |  |  | GA | Investment | Refinance | Cash Out - Other | 3414413 | N/A | N/A |
| XXXX | XXXX |  | 304638137 | Closed | 2025-02-11 00:00 | 2025-02-14 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Photo identification provided on page#XXX is not legible to read, Provide clear updated identification document for BX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XX.pdf |  |  | GA | Investment | Refinance | Cash Out - Other | 3393447 | N/A | N/A |
| XXXX | XXXX |  | 304511201 | Closed | 2025-04-24 04:34 | 2025-04-25 04:27 | Resolved | 1 - Information C A | Credit | Credit | Deficient AUS/Loan Approval | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Loan Approval on page#XXX reflects Loan Purpose as Purchase transaction whereas loan is Refinance transaction. Provide updated loan Approval with correct Loan Purpose - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| Updated XXXX.pdf |  |  | KY | Investment | Refinance | Cash Out - Other | 3947944 | N/A | N/A |
| XXXX | XXXX |  | 304692825 | Closed | 2025-05-01 16:41 | 2025-05-14 12:24 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Waiver and comp factors accepted - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per XX.X.X. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Waived-Waiver and comp factors accepted - Due Diligence Vendor-XX/XX/XXXX<br>| Exception Request X Decision.pdf |  | XXX FICO; XXX Min.<br> XxXX Mtg pay history for over XX months; Min XxXX within the past XX months.<br> X.XX% DTI; XX% maximum | FL | Primary Residence | Purchase | NA | 4022377 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 304692825 | Closed | 2025-04-28 23:00 | 2025-05-14 03:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Required Document provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached-we could also exclude income from XXXX XXXX and DTI would still be below XX%. Please clear this. - Seller-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Borrower X Business Bank Statements Missing Provide XX Mo Business Bank Statements for Employer: XXXX XXXX. Statements for months X/XX and X/XX in file. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Provide XX Mo Business Bank Statements for Employer: XXXX XXXX. Statements for months X/XX and X/XX in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached-we could also exclude income from XXXX XXXX and DTI would still be below XX%. Please clear this. - Seller-XX/XX/XXXX<br>| Resolved-Required Document provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX - XXXXX XXXXXX XXXX XXXX XXX LLC_Bank Statements.pdf |  | XXX FICO. XXX Min.<br> XxXX Mtg pay history for over XX months. Min XxXX within the past XX months. | FL | Primary Residence | Purchase | NA | 3988191 | N/A | N/A |
| XXXX | XXXX |  | 304692825 | Closed | 2025-04-28 23:00 | 2025-05-14 03:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE that is within the XX Business days from closing provided hence resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Xrd Party VOE of XXXXX XXXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested Xrd Party VOE that is within the XX Business days from closing provided hence resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX - Business Purpose and Occupancy Affidavit.pdf<br>xxxxx xxxxxx XXXX X xxxxxxx xxxx xxxxxxx - Google Search.pdf |  | XXX FICO. XXX Min.<br> XxXX Mtg pay history for over XX months. Min XxXX within the past XX months. | FL | Primary Residence | Purchase | NA | 3988190 | N/A | N/A |
| XXXX | XXXX |  | 304692825 | Closed | 2025-04-28 03:21 | 2025-05-01 16:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pgXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pgXX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence XXXXXX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3976074 | N/A | N/A |
| XXXX | XXXX |  | 304701957 | Closed | 2025-05-15 14:45 | 2025-05-19 16:10 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XX Acknowledges - Due Diligence XXXXXX-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X.<br> - XXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Missing Missing business entity final XXXX - Due Diligence XXXXXX-XX/XX/XXXX |  | Acknowledged-XX Acknowledges - Due Diligence XXXXXX-XX/XX/XXXX<br>|  |  |  | PA | Investment | Refinance | Cash Out - Other | 4156682 | Investor Post-Close | No |
| XXXX | XXXX |  | 304701943 | Closed | 2025-06-06 13:31 | 2025-06-18 06:19 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-DTI Is now in line updated XXXX and business approval page. - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - XXXXX-XX/XX/XXXX <br>Counter-Total for taxes is at XXX.XX based on payment letter this will place the front end at XX.XX and back end at XX.XX - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded for review - XXXXXX-XX/XX/XXXX <br>Open-Front End DTI is at XX.XX and back end DTI is at XX.XX the taxes are not correct on the XXXX based on taxes in file and payment letter. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded for review - XXXXXX-XX/XX/XXXX<br>| Resolved-DTI Is now in line updated XXXX and business approval page. - Due Diligence XXXXXX-XX/XX/XXXX<br>| XXXXXX XXXX.pdf<br>XXXX - XXXXXXXXXXX XXXXXXX.pdf |  |  | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 4365976 | N/A | N/A |
| XXXX | XXXX |  | 304701943 | Closed | 2025-06-05 03:50 | 2025-06-12 05:00 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing history unable to verify, provided Satisfactory Mortgage with related documents which is sufficient to verify housing history<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXX Requirements - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Housing History Does Not Meet XXXXXXXX Requirements - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded for review - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXX Requirements Housing history doc. missing in file - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded for review - XXXXXX-XX/XX/XXXX<br>| Resolved-Housing history unable to verify, provided Satisfactory Mortgage with related documents which is sufficient to verify housing history<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXX Requirements - Due Diligence XXXXXX-XX/XX/XXXX<br>| XXXXXX XXX.pdf |  |  | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 4341916 | N/A | N/A |
| XXXX | XXXX |  | 304701943 | Closed | 2025-06-05 21:34 | 2025-06-12 04:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Gap credit Report is missing in file, provided the same, Changes made in system, Finding Resolved<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded for review - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded for review - XXXXXX-XX/XX/XXXX<br>| Resolved-Gap credit Report is missing in file, provided the same, Changes made in system, Finding Resolved<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX<br>| XXXXXX XXXXXXXX.pdf |  |  | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 4354702 | N/A | N/A |
| XXXX | XXXX |  | 304701943 | Closed | 2025-06-05 21:34 | 2025-06-12 04:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit Report is missing in file, provided the same, Changes made in system, Finding Resolved<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded for review - XXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence XXXXXX-XX/XX/XXXX |  | Resolved-Gap credit Report is missing in file, provided the same, Changes made in system, Finding Resolved<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence XXXXXX-XX/XX/XXXX<br>| XXXXXX XXXXXXXX.pdf |  |  | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 4354701 | N/A | N/A |
| XXXX | XXXX |  | 304701943 | Closed | 2025-06-05 04:37 | 2025-06-12 04:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report is misisng, provided the same, changes made in system, Finding Resolved<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded for review - XXXXX-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Fraud Report is missing in file - Due Diligence XXXXXX-XX/XX/XXXX |  | Resolved-Fraud report is misisng, provided the same, changes made in system, Finding Resolved<br> - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence XXXXXX-XX/XX/XXXX<br>| XXXXXX XXXXX.pdf |  |  | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 4342156 | N/A | N/A |
| XXXX | XXXX |  | 304701943 | Closed | 2025-06-05 05:46 | 2025-06-06 13:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX,XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML XXXXXXXXX, resolved. - XXX XXXXXXXXX XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX,XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML XXXXXXXXX, resolved. - XXX XXXXXXXXX XX/XX/XXXX<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 4342682 | N/A | N/A |
| XXXX | XXXX |  | 304695065 | Closed | 2025-06-16 20:27 | 2025-06-20 07:16 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide updated Loan Approval document due to below reasons: X) Provided loan approval with Credit type Core NonQM and Matrix date as XX-XX-XXXX but Matrix XX-XX-XXXX does not have credit type Core NonQM. X) Loan approval shows required reserves of X months but calculated LTV is XX.XX% which does not require reserves per G/L's. - XXX XXXXXXXXX XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX XXXXXXXXX.pdf |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4466890 | N/A | N/A |
| XXXX | XXXX |  | 304695065 | Closed | 2025-06-16 20:35 | 2025-06-20 04:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Employment Gaps in Employment Without Sufficient Explanation | Resolved-LOX for Employment Gaps in Employment uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX/XX/XXXX <br>Ready for Review-Document Uploaded. Borrower provided detailed LOE explaining everything that was uploaded with the original package, thank you - Seller-XX/XX/XXXX <br>Open-Borrower was not employed from XX/XXXX thru XX/XXXX, Provide employment GAP letter for specific period. - XXX XXXXXXXXX XX/XX/XXXX | Ready for Review-Document Uploaded. Borrower provided detailed LOE explaining everything that was uploaded with the original package, thank you - Seller-XX/XX/XXXX<br>| Resolved-LOX for Employment Gaps in Employment uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXX XXX.pdf |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4466911 | N/A | N/A |
| XXXX | XXXX |  | 304695065 | Closed | 2025-06-13 07:11 | 2025-06-20 13:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML XXXXXXXXX, resolved. - XXX XXXXXXXXX XX/XX/XXXX <br>Open-. - XXX XXXXXXXXX XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXX-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' XX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXX-XX. The loan meets HPML XXXXXXXXX, resolved. <br> - XXX XXXXXXXXX XX/XX/XXXX |  | Resolved-The loan meets HPML XXXXXXXXX, resolved. - XXX XXXXXXXXX XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'sXX-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#' XX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXX-XX. The loan meets HPML XXXXXXXXX, resolved. <br> - XXX XXXXXXXXX XX/XX/XXXX<br>|  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4438145 | N/A | N/A |
| XXXX | XXXX |  | 304717898 | Closed | 2025-06-18 01:20 | 2025-07-15 03:48 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXXX Requirements.Credit report shows months reviewed of XX for previous address mortgage.<br> - XXX XXXXXXXXX XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Current address we are verify from VOM Page No#XXXX Staying Since XX/XX/XXXX (X Months), however Unable to verify previous address Primary history, Required VOM/LOX To verify XX months history. - XXX XXXXXXXXX XX/XX/XXXX |  | Resolved-Housing History Meets XXXXXXXXX Requirements.Credit report shows months reviewed of XX for previous address mortgage.<br> - XXX XXXXXXXXX XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXXX XX/XX/XXXX<br>| XXXXXXX.docx |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4482433 | N/A | N/A |
| XXXX | XXXX |  | 304719750 | Closed | 2025-07-07 14:34 | 2025-07-09 15:50 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XX Acknowledges - XXX XXXXXXXXX XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X.<br> - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Missing Please provide business entity XXXX. - XXX XXXXXXXXX XX/XX/XXXX |  | Acknowledged-XX Acknowledges - XXX XXXXXXXXX XX/XX/XXXX<br>|  |  |  | FL | Investment | Purchase | NA | 4706786 | Investor Post-Close | No |
| XXXX | XXXX |  | 304719750 | Closed | 2025-07-07 14:43 | 2025-07-09 11:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Document received, data confirmed. - XXX XXXXXXXXX XX/XX/XXXX <br>Ready for Review-Document Uploaded. see right sided of the box, under adjustments (cont) it shows no prepay penalty. - Buyer-XX/XX/XXXX <br>Open-Lock does not address absence of pre-payment penalty. - XXX XXXXXXXXX XX/XX/XXXX |  | Resolved-Document received, data confirmed. - XXX XXXXXXXXX XX/XX/XXXX<br>| XX Lock Confirmation.pdf |  |  | FL | Investment | Purchase | NA | 4707064 | N/A | N/A |
| XXXX | XXXX |  | 304719750 | Closed | 2025-06-30 05:51 | 2025-07-09 05:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Requested HOA Questionnaire provided hence resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-HOA Questionnaire is Missing or Partial. HOA Questionnaire is Missing - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested HOA Questionnaire provided hence resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | FL | Investment | Purchase | NA | 4599263 | N/A | N/A |
| XXXX | XXXX |  | 304730965 | Closed | 2025-07-23 12:49 | 2025-07-30 07:52 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Resolved. LCA provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Second Appraisal/ Valuation is Missing Required for Securitizations<br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved. LCA provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4923639 | N/A | N/A |
| XXXX | XXXX |  | 304730965 | Closed | 2025-07-01 09:50 | 2025-07-27 10:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Resolved. Updated/corrected final XXXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find updated URLA and XXXX with income for B1 as $XXXX.XX monthly - Seller-XX/XX/XXXX <br>Counter-Provide updated URLA with correct amount of $XXXX for both Base and Total in Gross Monthly Income section of XXXX.<br> Total Gross monthly income on final XXXX should reflect/match the amount on the Final XXXX and income worksheet of $XXXX. Current total on URLA is $XXXX which is incorrect, the correct amount is $XXXX which matches the XXXX and income worksheet. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Counter-Total Gross monthly income reflects $XXXX. Correct total and provide updated final XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Borrower X, XXXX Shows Total of Gross Monthly Income as $X,XXX Whereas Income Sheet and XXXX Reflects $X,XXX as Borrower X Income Provide XXXX With Correct Total Gross Monthly income. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please find updated URLA and XXXX with income for B1 as $XXXX.XX monthly - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Updated/corrected final XXXX provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX.pdf<br>XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf<br>XXXXXXXX.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4617143 | N/A | N/A |
| XXXX | XXXX |  | 304730965 | Closed | 2025-07-01 09:47 | 2025-07-24 08:02 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Waived. XX agrees. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-WE acknowledge the exception:<br>Approved<br> Exception Request X Decision Date - X/XX/XXXX<br> Exception Request X Decisioned By - XXXX<br> Manager Notes: Exception for CXX status on EAD is acceptable. Borrowers have EX visas (expired) with EAD card confirming application for permanent residency in process. <br> Comp factors include: $X,XXX residual income (min $X,XXX), >XX months reserves.<br> Exception Request X Decision: Approved<br> - Buyer-XX/XX/XXXX <br>Open-As Per Guidelines, Audit requires a Visa or Passport in case of a Non-Permanent or Permanent Resident Alien, Borrowers Visa is Expired So with Exception to that Borrower X & X Using Employment Authorization Card. <br> Manager Notes pg XXX-XXX: Exception for CXX status on EAD is acceptable. Borrowers have EX visas (expired) with EAD card confirming application for permanent residency in process. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Waived. XX agrees. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Residual Income is $XXXX.XX. Minimum Residual Income required per guidelines is $XXXX. <br> Credit Score is XXX. Minimum required per guidelines is XXX. | FL | Primary Residence | Refinance | Cash Out - Other | 4617046 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304730965 | Closed | 2025-07-01 09:43 | 2025-07-24 07:51 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Waived. XX acknowledges. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-We acknowledge the exception:<br> Exception Request X Date: X/XX/XXXX (XXXXXXXXXX)<br> Exception Request X Reason: Income - Self Employed<br> Exception Request X Status: Pending<br> Exception Request X Notes: Exception for less than X years SE- per CPA letter SE since X/XXXX- previously employed with XXX XXXX from XX/XX to XX/XX- just received gap letter today-to confirm dates of unemployed- per borrowers lox states similar line of work/ cash out refi for primary/ paying off several debts/XX mos reserves/ X time required residual<br> - Seller-XX/XX/XXXX <br>Open-Income and Employment Do Not Meet Guidelines Manager Notes pg XXX-XXX: Exception for Ready for Review-We acknowledge the exception:<br> Exception Request X Date: X/XX/XXXX (XXXXXXXXXX)<br> Exception Request X Reason: Income - Self Employed<br> Exception Request X Status: Pending<br> Exception Request X Notes: Exception for less than X years SE- per CPA letter SE since X/XXXX- previously employed with XXX XXXX from XX/XX to XX/XX- just received gap letter today-to confirm dates of unemployed- per borrowers lox states similar line of work/ cash out refi for primary/ paying off several debts/XX mos reserves/ X time required residual<br> - Seller-XX/XX/XXXX<br>Waived-Waived. XX acknowledges. - Due Diligence Vendor-XX/XX/XXXX<br>Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Residual Income is $XXXX.XX. Minimum Residual Income required per guidelines is $XXXX. <br> Credit Score is XXX. Minimum required per guidelines is XXX. FL Primary Residence Refinance Cash Out - Other 4616991 Originator Post-Close Yes |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX |  | 304730969 | Closed | 2025-07-02 01:03 | 2025-07-22 12:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX-XXX and the Final Closing disclosure on Pg#XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XXX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX-XXX and the Final Closing disclosure on Pg#XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XXX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 4626880 | N/A | N/A |
| XXXX | XXXX |  | 304734541 | Closed | 2025-07-16 12:20 | 2025-08-07 05:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Requested September XXXX Statement Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Borrower's XX/XXXX bank statement is missing from loan file but used in income worksheet. Provide missing bank statement. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested September XXXX Statement Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | FL | Investment | Purchase | NA | 4840102 | N/A | N/A |
| XXXX | XXXX |  | 304730916 | Closed | 2025-07-22 11:20 | 2025-07-29 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX provided reflects correct income and Homeowner's insurance amounts. Lender reflected HOA of $XX based off the appraisal and our HOA of $XX.XX is based off the Final CD and Uniform Residential Loan Application - Lender Loan Information page. This results in a minor variance considered acceptable. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Appraisal shows XX/month for HOA - Seller-XX/XX/XXXX <br>Counter-The XXXX document provided has the Income figure corrected however the provided XXXX reflects Homeowner's Insurance of $XXX.XX/month while the amount verified is $XXX.XX and it reflects the Association Dues of $XX/month while the amount verified on the Final CD in the Est. Taxes, Insurance & Assessments section is $XX.XX/month. There was no other HOA verification document provided in file to confirm that figure against so based that figure on the amount reflected in that section of the Final CD. The Uniform Residential Loan Application - Lender Loan Information, p XXX, reflects the verified Proposed Monthly Payment figures for additional reference. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document provided has the Income figure corrected however the provided XXXX reflects Homeowner's Insurance of $XXX.XX/month while the amount verified is $XXX.XX and it reflects the Association Dues of $XX/month while the amount verified on the Final CD in the Est. Taxes, Insurance & Assessments section is $XX.XX/month. There was no other HOA verification document provided in file to confirm that figure against so based that figure on the amount reflected in that section of the Final CD. The Uniform Residential Loan Application - Lender Loan Information, p XXX, reflects the verified Proposed Monthly Payment figures for additional reference. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The XXXX provided on p XXX reflects variances in Proposed Monthly Payments column in the Homeowner's Insurance and Association Dues from the amounts verified. The XXXX reflects Homeowner's Insurance of $XXX.XX/month while the amount verified is $XXX.XX and it reflects the Association Dues of $XX/month while the amount verified on the Final CD in the Est. Taxes, Insurance & Assessments section is $XX.XX/month. There was no other HOA verification document provided in file to confirm that figure against so based that figure on the amount reflected in that section of the Final CD. The Uniform Residential Loan Application - Lender Loan Information, p XXX, reflects the verified Proposed Monthly Payment figures for additional reference. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Appraisal shows XX/month for HOA - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX provided reflects correct income and Homeowner's insurance amounts. Lender reflected HOA of $XX based off the appraisal and our HOA of $XX.XX is based off the Final CD and Uniform Residential Loan Application - Lender Loan Information page. This results in a minor variance considered acceptable. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document provided has the Income figure corrected however the provided XXXX reflects Homeowner's Insurance of $XXX.XX/month while the amount verified is $XXX.XX and it reflects the Association Dues of $XX/month while the amount verified on the Final CD in the Est. Taxes, Insurance & Assessments section is $XX.XX/month. There was no other HOA verification document provided in file to confirm that figure against so based that figure on the amount reflected in that section of the Final CD. The Uniform Residential Loan Application - Lender Loan Information, p XXX, reflects the verified Proposed Monthly Payment figures for additional reference. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX - XXXXXXXXXX XXXXXXX.xxx<br>XXXX - XXXXXXXXXX XXXXXXX.xxx |  |  | VA | Primary Residence | Purchase | NA | 4906548 | N/A | N/A |
| XXXX | XXXX |  | 304730916 | Closed | 2025-07-22 10:07 | 2025-07-25 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-The Business Bank Statement Income Calculator was provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The Bank Statement Income Calculator provided on p XXX reflects an incorrect Expense Ratio of XX% while the CPA letter verifies a XX% Expense Ratio thus the income calculation is incorrect. The Income Calculator reflects Qualifying Income of $X,XXX.XX. (Total Eligible Deposits of $XXX,XXX.XX x XXX% business ownership x XX% expense ratio /XX months = $X,XXX.XX Monthly Qualifying Income. As per conservative approach, the XXXX and XXXX reflect the income figure of $X,XXX from the Initial XXXX as the Monthly Qualifying Income.) The Final Loan Approval and Tape Data reflects income of $XXXX.XX but there is no supporting data for that calculation. Provide the final Income Calculator. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The Business Bank Statement Income Calculator was provided in Findings. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXX XXX XXXX.xxx |  |  | VA | Primary Residence | Purchase | NA | 4904937 | N/A | N/A |
| XXXX | XXXX |  | 304730916 | Closed | 2025-07-22 10:09 | 2025-07-25 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-The Self-Employed Business Narrative is provided in Findings: XXXXXXXX XXXXXXXX X.xxx. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-XX/XX/XXXX <br>Open-The Self-Employed Business Narrative is missing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The Self-Employed Business Narrative is provided in Findings: XXXXXXXX XXXXXXXX X.xxx. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXX X.xxx |  |  | VA | Primary Residence | Purchase | NA | 4904989 | N/A | N/A |
| XXXX | XXXX |  | 304730916 | Closed | 2025-07-20 20:41 | 2025-07-26 09:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (X CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX-XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg# XXX. An interior and exterior appraisal was completed for this property – see pg# XXX-XXX the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX,XXX,XXX,XXX and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (X CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX-XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg# XXX. An interior and exterior appraisal was completed for this property – see pg# XXX-XXX the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX,XXX,XXX,XXX and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4881857 | N/A | N/A |
| XXXX | XXXX |  | 304734516 | Closed | 2025-07-16 23:15 | 2025-07-23 07:05 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Supplement provided - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify housing history of the borrower as borrower current address is XXX XXXXXX XX, for which there is a sale happened on XXX XX XXXX confirmed from fraud report on page #XXX, for which there is no free and clear report from the borrower, provide the supporting document to verify the same. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXX.xxx |  |  | IN | Investment | Refinance | Cash Out - Other | 4846798 | N/A | N/A |
| XXXX | XXXX |  | 304731335 | Closed | 2025-07-25 05:22 | 2025-08-04 09:50 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Missing Entity LLC is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NY | Investment | Refinance | Cash Out - Other | 4944083 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-31 05:58 | 2025-10-22 17:02 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Open-Exception in file, exception requested for: Cash Out listed for sale after application date X/XX/XXXX with LTV at XX%. XX has received: (X) proof that listing has been cancelled as of X/XX/XXXX & (X) LOE stating the reason for the prior listing and intent to occupy the subject property - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | Residual Income is $XXXXX.XX. Minimum Residual Income required per guidelines is $XXXX. <br> XX% LTV | TX | Primary Residence | Refinance | Cash Out - Other | 5004543 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 01:09 | 2025-08-13 17:37 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Resolved, AVM used as primary value, variance positive. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We used the lower of the two property valuations (AVM) was used. avm was X,XXX.XXX and appraisal was X,XXX,XXX. - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X An AVM has been provided but negative variance between appraisal and AVM exceeds XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. We used the lower of the two property valuations (AVM) was used. avm was X,XXX.XXX and appraisal was X,XXX,XXX. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved, AVM used as primary value, variance positive. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX.xxx |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4989700 | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 02:23 | 2025-08-13 14:17 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Texas - Maximum Fees Allowed | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-We provided the updated compliance report, which was run on XXXXXX XX, XXXX, after the inspection fee was added. The report still reflects Texas fees exceeding the X% threshold per the Compliance Mavent report. We do not agree with this finding. - XXXXX-XX/XX/XXXX <br>Counter-Inspection fee added at revised CD issued X/XX is causing TX fees to exceed X%. Finding countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached compliance report. The relevant section demonstrates that we are in compliance with the Texas Constitution provision, which prohibits fees from exceeding X%. - XXXXX-XX/XX/XXXX <br>Open-The Texas Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(X); X TX ADC Sec. XXX.X) Texas Constitution prohibits fees from exceeding X% on refinance loans - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX Xx.xxx<br>XXXXXXXXXX.xxx<br>XXXXXXXXXX Xx.xxx |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4989849 | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 02:23 | 2025-08-13 14:17 | Resolved | 1 - Information C A | Compliance | Enterprise:FeeLimits | ER - Texas Constitution 2% Fee Limit | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We cannot, and should not, attempt to cure any findings that are not reflected in the compliance results report. Please review your compliance alerts on your end and compare them with the compliance report we ran on XXXXXX XX, XXXX, as well as the report used to generate this finding. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We cannot, and should not, attempt to cure any findings that are not reflected in the compliance results report. Please review your compliance alerts on your end and compare them with the compliance report we ran on XXXXXX XX, XXXX, as well as the report used to generate this finding. - XXXXXX-XX/XX/XXXX <br>Ready for Review-We provided the updated compliance report, which was run on XXXXXX XX, XXXX, after the inspection fee was added. The report still reflects Texas fees exceeding the X% threshold per the Compliance Mavent report. We do not agree with this finding. - XXXXXX-XX/XX/XXXX <br>Counter-Inspection fee added at revised CD issued X/XX is causing TX fees to exceed X%. Finding countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached compliance report. The relevant section demonstrates that we are in compliance with the Texas Constitution provision, which prohibits fees from exceeding X%. - XXXXX-XX/XX/XXXX <br>Open-The Texas Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(X); X TX ADC Sec. XXX.X) Texas Constitution prohibits fees from exceeding X% on refinance loans - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. We cannot, and should not, attempt to cure any findings that are not reflected in the compliance results report. Please review your compliance alerts on your end and compare them with the compliance report we ran on XXXXXX XX, XXXX, as well as the report used to generate this finding. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We cannot, and should not, attempt to cure any findings that are not reflected in the compliance results report. Please review your compliance alerts on your end and compare them with the compliance report we ran on XXXXXX XX, XXXX, as well as the report used to generate this finding. - XXXXXX-XX/XX/XXXX <br>Ready for Review-We provided the updated compliance report, which was run on XXXXXX XX, XXXX, after the inspection fee was added. The report still reflects Texas fees exceeding the X% threshold per the Compliance Mavent report. We do not agree with this finding. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX Xx.xxx<br>XXXXXXXXXX.xxx<br>XXXXXXXXXX.xxx<br>XXXXXXXXXX.xxx |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4989850 | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 02:21 | 2025-08-08 10:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Title Endorsements (T-2, T-19, T-17, T-42, T-42.1) Missing | Resolved-Lender provided LOX from XXXXX XXXXXXX confirming relevant TX endorsements are added to Final Title policy. Policy has not been issued yet. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Good afternoon.<br> The policy has not been issued yet. Endorsements do not reflect on the title commitment if that is what you are referring to.<br> T-XX does not apply, the property is not in a PUD.<br> T-X is the name of the type of policy, not an endorsement.<br> T-XX, TXX, TXX.X were all collected for. <br> Please see attached email from the title company confirmation this. Please clear this finding. - XXXXXX-XX/XX/XXXX <br>Open-One or more of the docs TX, TXX, TXX, TXX, TXX.X is Missing Texas Title Endorsements are missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Good afternoon.<br> The policy has not been issued yet. Endorsements do not reflect on the title commitment if that is what you are referring to.<br> T-XX does not apply, the property is not in a PUD.<br> T-X is the name of the type of policy, not an endorsement.<br> T-XX, TXX, TXX.X were all collected for. <br> Please see attached email from the title company confirmation this. Please clear this finding. - XXXXXX-XX/XX/XXXX<br>| Resolved-Lender provided LOX from XXXXX XXXXXXX confirming relevant TX endorsements are added to Final Title policy. Policy has not been issued yet. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX.xxx |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4989844 | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-08-13 13:36 | 2025-08-13 14:17 | Resolved | 1 - Information A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5167427 | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-08-13 13:36 | 2025-08-13 14:17 | Resolved | 1 - Information A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5167428 | N/A | N/A |
| XXXX | XXXX |  | 304757411 | Closed | 2025-08-19 04:25 | 2025-10-06 04:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-The uploaded Processor Cert confirms that the business is active, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The uploaded Processor Cert confirms that the business is active, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX Xxxx XXX.xxx |  |  | VA | Primary Residence | Purchase | NA | 5224007 | N/A | N/A |
| XXXX | XXXX |  | 304757411 | Closed | 2025-08-19 06:49 | 2025-08-20 11:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | XXXXXXXX-XXX XXX XXXX's (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXXXXXXX XX XXXXXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XX (X.XX%).(XX XXX XXXXXXX.X(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXXXXX.X(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXXX XXX XXX XXXXXXXXXX XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXX XXXX XXXXXXX XXX XXXXXXXXXXXX XXXXXXXXXXXX XX XXXXXXX XXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXXX XXXXX XXXXX XXX XXXXXXXXXX XXX XXXXX XXXXXXXX XXX XXXX. XXXX XXXXXXXXXX XXXXXX XXXXXXX XXXX XXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXX XXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX. XXXX XXXX XXX XXX XXXXX XXXXXXXX XX XX. XXXX XXXX XXX XXXXX XXXXXXXX XX XXXXXXX – XXX XX. XXXX XXX XXXXXXXX XXX XXXXXXXX XXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXXX – XXX XX. XXX XXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXXX XXX XXXX XX XXX XXXXXXXXX – XXX XX. XXXX XXX XXXX XX XXX XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _XXXX_ | XXXXXXXX-XXX XXX XXXX's (XX.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXXXXXXX XX XXXXXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XX (X.XX%).(XX XXX XXXXXXX.X(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXXXXX.X(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXXX XXX XXX XXXXXXXXXX XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXX XXXX XXXXXXX XXX XXXXXXXXXXXX XXXXXXXXXXXX XX XXXXXXX XXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXXX XXXXX XXXXX XXX XXXXXXXXXX XXX XXXXX XXXXXXXX XXX XXXX. XXXX XXXXXXXXXX XXXXXX XXXXXXX XXXX XXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXX XXXXXX XXXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XX. XXXX XXXX XXX XXX XXXXX XXXXXXXX XX XX. XXXX XXXX XXX XXXXX XXXXXXXX XX XXXXXXX – XXX XX. XXXX XXX XXXXXXXX XXX XXXXXXXX XXXXXXXX XXX XXXXXXXXX XXX XXXX XXXXXXXXX – XXX XX. XXX XXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXXXXXX XX XXX XXXXXXXXXXX XXX XXXX XX XXX XXXXXXXXX – XXX XX. XXXX XXX XXXX XX XXX XXXXXXXX. XXXXXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_XXXX_ |  |  |  | VA | Primary Residence | Purchase | NA | 5225365 | N/A | N/A |
| XXXX | XXXX |  | 304902817 | Closed | 2025-09-02 10:56 | 2025-10-17 12:02 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualifications do not meet requirements | XXXXXXXX-XXXXX XXXXXXXXXXXX XXXXX XXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXXXXX-XXX XXXXXXXXXXXXX XX XXXXXXXX XX XXXXXX XXX XXXXXXX. XXX XXXX XXXXX XX XXX XX XXX XXXXXXXXXXXX XX XXXXXXX. XXX XXXX XXXXXXXXX XXXXXXXX XXXX XXXXX XXXXX XX XXXXXX XXX XXXXXXXXX: XXX XXXXXXXXX XXXXXXX XXXXX XXXXXXXX XXX XXXXXXXX XX XXXX XXXXXX XXX XXX XXXXXX XXX XXXXXXX XX XXXX XXXXXXXX XXXXXXXX XX XX XXXX XXX XX XXXXXX XX XX XXXX. XXXXX XXX, XXXX XX XX XXXXX XXX XXX XXXXXXXXXXXX XX XX XXXX XXX XXX XXXXXX XX XX XXXX. XXX XXXXX XXXXX XXXXXXXXXXXXX XXX XXX XXXX XXXXXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXXXX-X/X XXXX XX XXXX XXXX XXX XXXXXXXXXX XXXXX XXXXXXXXX XXXXX XXXXXXXX XXX XXXX XXXX XX XXXX XX XXXX XXXXX XXXXXX XXX XXX XXXXXX XX XX XXXX XXXXX. XXXXXXXX XXXXX XX XX XXXX XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXXXX-XXXXXX XXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX-XXXXX XXXXXXXXXXXXX XXX XXX XXXXX XXXXXXXX XXXXXXXXXXXX X/X/XXXX XXXX XX "XXXX" XXX-XXXXXXXXX XXXXXXX. XXXXXXX XXXXXXX (X)XXXXXXXXXXX XXXX XXX XXX-XXXXXXXXX XXXXXXX XXXX XXX XXXX XX XXX XXXX XX XXXXXXXX XXX XXXX XXXX XXX XXXXXXXX XX XX XXXX XXXXX. (X) XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XX X XXXXXXX XX XXXXXX XXXXXXXX. (X) XXXXX XXXXX XXXXXXXXXX XXX XXX XXXXX XXXXXX XX XXXXXXXX XX XX XXXX XXXX XXXXX. (X) XXXXX XXXXXXX XXX XXX XXXXXXX XXXX XXX XXXX XX XXXX XXXX XXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX_XXXX_ | XXXXXXXX-XXXXX XXXXXXXXXXXX XXXXX XXXXXXXX XXXXXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXXXXX-XXX XXXXXXXXXXXXX XX XXXXXXXX XX XXXXXX XXX XXXXXXX. XXX XXXX XXXXX XX XXX XX XXX XXXXXXXXXXXX XX XXXXXXX. XXX XXXX XXXXXXXXX XXXXXXXX XXXX XXXXX XXXXX XX XXXXXX XXX XXXXXXXXX: XXX XXXXXXXXX XXXXXXX XXXXX XXXXXXXX XXX XXXXXXXX XX XXXX XXXXXX XXX XXX XXXXXX XXX XXXXXXX XX XXXX XXXXXXXX XXXXXXXX XX XX XXXX XXX XX XXXXXX XX XX XXXX. XXXXX XXX, XXXX XX XX XXXXX XXX XXX XXXXXXXXXXXX XX XX XXXX XXX XXX XXXXXX XX XX XXXX. XXX XXXXX XXXXX XXXXXXXXXXXXX XXX XXX XXXX XXXXXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_XXXX_ | XXXXXXXXXX XXX XXX.XXX_XXXX_<br> XXXXXXXXXX.XXX_XXXX_<br> XXXXXXXXXX XXXX XXXXXX + XXXXX_XXXX_<br> XXXXXXXXXX XXXXXXX + XX_XXXX |  |  | FL | Primary Residence | Purchase | NA | 5381212 | N/A | N/A |
| XXXX | XXXX |  | 304902817 | Closed | 2025-09-02 10:10 | 2025-09-08 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing HOA Fee Statement | XXXXXXXX-XXX XXX XXXXXXXXX XXXX XXX XXXXX XXXXX XXXX XXXX XXXXXXX XXX XXXXXXX XX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX-XXXXXX XXX XXX XXX XXXXXXXXXX XXX XXXXXXXX XXXXXXXXX XXX XXXXX XXXXX XXXXX XXXXXXXXXXXXX XXXX XXX XXXXX XXXXX XXXXX XXXX XXXX XXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX_XXXX_ | XXXXXXXX-XXX XXX XXXXXXXXX XXXX XXX XXXXX XXXXX XXXX XXXX XXXXXXX XXX XXXXXXX XX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_XXXX_ | XXXXXXXXXX XXX XXX.XXX_XXXX_<br> XXXXXXXXXX.XXX_XXXX_<br> XXXXXXXXXX XX XXXX XXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 5380490 | N/A | N/A |
| XXXX | XXXX |  | 304844069 | Closed | 2025-10-03 08:06 | 2025-10-22 07:39 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | XXXXXXXX-XXXXX XXX XXXXXXXXXXXX XXXXX XX XXX XXXXXXXX XXXXXXXXX XX XXX XXXXXXXXX XXXXXXXX XX XXXXXXXXX XXXXXXXX, XX XXXXXXXXXX XX XXXXXXXXX XXXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX's XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXXXXXXX XX XXXXXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(XXX)(XX); XX XXX XXXXXXX.X(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXXXXX.X(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXXX XXX XXX XXXXXXXXXX XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXX XXXX XXXXXXX XXX XXXXXXXXXXXX XXXXXXXXXXXX XX XXXXXXX XXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXXX XXXXX XXXXX XXX XXXXXXXXXX XXX XXXXX XXXXXXXX XXX XXXX. XXXX XXXXXXXXXX XXXXXX XXXXXXX XXXX XXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXX XXXXXX XXXXXXXXX. XXXX XXXX XXX XXXXXXX XXXXXXX XXXX XXX XXXX XXX XXXXXXX XXXX XXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XXX'XXXXXXX XXX XXXXX XXXXXXXX XXX XX'XXXXXXX XXXX XXXXX XXX XXXXXXXX XXX XX-XXX XXX XXXXXXXX XXX XXXXXXX XXX XXXXXXXX XXX XXXX XX XX-XX. XXXX XXX XXXX XXXXXXXXX XXX XXXX XX XXXXX-XXX. XXXX XXX XXXX XXX XXXXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXXX – XXX XXX'XXXXXXX XXXXX . XXX XXXX XXXX XXXX XXXXXX-XXXXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXXXXXXXXXXXXX XXX XXX XXXX XXXXXXXX - XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX-XXX XXX XXXX's (X.XXX%) XXX XXXXXX XX XXXXXXX XXX XXXXXXX XXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXXXXXXX XX XXXXXXXXXXXXXXX." XXX XXXXXXXXXX XXXX XXX XXXX XX (X.XX%).(XX XXX XXXXXXX.X(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXXXXX.X(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXXX XXX XXX XXXXXXXXXX XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.<br> XXXX XXXXXXXXXX XXXXXX XXXXXXX XXXX XXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXX XXXXXX XXXXXXXXX <br> XXX XXXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXX XXX XXXXX XXXXXXXX <br> XXXX XXXX XXX XXXXX XXXXXXXX XXX XXXXXXX. <br> XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XXX'XXXXXXX<br> XXXXX XXXXXXX XXXXXXXXXX XXX XXX'XXXXXXX<br> XXXX XXXX XXX XX-XXX<br> XX XXXXXXXXX XXX XXXXXXXX XXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XXX XXXXXXXX – XXX XXX'XXXXXXX XXXXX .<br> XXX XXXX XXXX XXX XXXX XXXX XXXXXX-XXXXXX XXXXXXXX. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXXXXXXXXXXXXX XXX XXX XXXX XXXXXXXX - XXXXXX-XX/XX/XXXX_XXXX_ | XXXXXXXX-XXXXX XXX XXXXXXXXXXXX XXXXX XX XXX XXXXXXXX XXXXXXXXX XX XXX XXXXXXXXX XXXXXXXX XX XXXXXXXXX XXXXXXXX, XX XXXXXXXXXX XX XXXXXXXXX XXXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX's XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXXXXXXX XX XXXXXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(XXX)(XX); XX XXX XXXXXXX.X(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXXXXX.X(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXXX XXX XXX XXXXXXXXXX XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXX XXXX XXXXXXX XXX XXXXXXXXXXXX XXXXXXXXXXXX XX XXXXXXX XXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXXX XXXXX XXXXX XXX XXXXXXXXXX XXX XXXXX XXXXXXXX XXX XXXX. XXXX XXXXXXXXXX XXXXXX XXXXXXX XXXX XXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXX XXXXXX XXXXXXXXX. XXXX XXXX XXX XXXXXXX XXXXXXX XXXX XXX XXXX XXX XXXXXXX XXXX XXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XXX'XXXXXXX XXX XXXXX XXXXXXXX XXX XX'XXXXXXX XXXX XXXXX XXX XXXXXXXX XXX XX-XXX XXX XXXXXXXX XXX XXXXXXX XXX XXXXXXXX XXX XXXX XX XX-XX. XXXX XXX XXXX XXXXXXXXX XXX XXXX XX XXXXX-XXX. XXXX XXX XXXX XXX XXXXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXXX – XXX XXX'XXXXXXX XXXXX . XXX XXXX XXXX XXXX XXXXXX-XXXXXX XXXXXXXX. XXX XXX XXXX XXXXXXXXXXXXXXXX XX XXXXXXX XX XXX XXXXXXXX. XXX XXXX XXXX XXX XXXXX XXXXXXXXXXX XX XXXXXX XX XXX XXXXXXXX – XXX XXX'XXXXXXX XXXXX .<br> XXX XXXX XXX XXX XXXX XXXX XXXXXX-XXXXXX XXXXXXXX. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_ | XXXXXXXXXXXXX_XXX XXXX.XXX_XXXX_<br> XXXXXXXXXXXXX_XXXXXXXXXX XXXXXXXXXXXXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 5764914 | N/A | N/A |
| XXXX | XXXX |  | 304844069 | Closed | 2025-10-03 08:06 | 2025-10-22 07:38 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | XXXXXXXX-XXXXX XXX XXXXXXXXXXXX XXXXX XX XXX XXXXXXXX XXXXXXXXX XX XXX XXXXXXXXX XXXXXXXX XX XXXXXXXXX XXXXXXXX, XX XXXXXXXXXX XX XXXXXXXXX XXXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX's XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXXXXXXX XX XXXXXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(XXX)(XX); XX XXX XXXXXXX.X(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXXXXX.X(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXXX XXX XXX XXXXXXXXXX XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXX XXXX XXXXXXX XXX XXXXXXXXXXXX XXXXXXXXXXXX XX XXXXXXX XXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXXX XXXXX XXXXX XXX XXXXXXXXXX XXX XXXXX XXXXXXXX XXX XXXX. XXXX XXXXXXXXXX XXXXXX XXXXXXX XXXX XXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXX XXXXXX XXXXXXXXX. XXXX XXXX XXX XXXXXXX XXXXXXX XXXX XXX XXXX XXX XXXXXXX XXXX XXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XXX'XXXXXXX XXX XXXXX XXXXXXXX XXX XX'XXXXXXX XXXX XXXXX XXX XXXXXXXX XXX XX-XXX XXX XXXXXXXX XXX XXXXXXX XXX XXXXXXXX XXX XXXX XX XX-XX. XXXX XXX XXXX XXXXXXXXX XXX XXXX XX XXXXX-XXX. XXXX XXX XXXX XXX XXXXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXXX – XXX XXX'XXXXXXX XXXXX . XXX XXXX XXXX XXXX XXXXXX-XXXXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXXXXX-XXXXX XXX XXXXXXXXXXXX XXXXX XX XXX XXXXXXXX XXXXXXXXX XX XXX XXXXXXXXX XXXXXXXX XX XXXXXXXXX XXXXXXXX, XX XXXXXXXXXX XX XXXXXXXXX XXXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX's XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXXXXXXX XX XXXXXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(XXX)(XX); XX XXX XXXXXXX.X(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXXXXX.X(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXXX XXX XXX XXXXXXXXXX XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXX XXXX XXXXXXX XXX XXXXXXXXXXXX XXXXXXXXXXXX XX XXXXXXX XXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXXX XXXXX XXXXX XXX XXXXXXXXXX XXX XXXXX XXXXXXXX XXX XXXX. XXXX XXXXXXXXXX XXXXXX XXXXXXX XXXX XXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXX XXXXXX XXXXXXXXX.<br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXXXXXXXXXXXXX XXX XXX XXXX XXXXXXXX - XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX-XXXXX XXX XXXXXXXXXXXX XXXXX XX XXX XXXXXXXX XXXXXXXXX XX XXX XXXXXXXXX XXXXXXXX XX XXXXXXXXX XXXXXXXX, XX XXXXXXXXXX XX XXXXXXXXX XXXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX's XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXXXXXXX XX XXXXXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(XXX)(XX); XX XXX XXXXXXX.X(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXXXXX.X(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXXX XXX XXX XXXXXXXXXX XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X.<br> XXXX XXXXXXXXXX XXXXXX XXXXXXX XXXX XXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXX XXXXXX XXXXXXXXX <br> XXX XXXXXXXXXX XXX XXXX XXXXXXXX XXX XXXXXXX XXX XXXXX XXXXXXXX <br> XXXX XXXX XXX XXXXX XXXXXXXX XXX XXXXXXX. <br> XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XXX'XXXXXXX<br> XXXXX XXXXXXX XXXXXXXXXX XXX XXX'XXXXXXX<br> XXXX XXXX XXX XX-XXX<br> XX XXXXXXXXX XXX XXXXXXXX XXXXXXXX XXX XXXXXXXX XX XXX XXXXXXXX XXX XXXXXXXX – XXX XXX'XXXXXXX XXXXX .<br> XXX XXXX XXXX XXX XXXX XXXX XXXXXX-XXXXXX XXXXXXXX. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXXXXXXXXXXXXX XXX XXX XXXX XXXXXXXX - XXXXXX-XX/XX/XXXX_XXXX_ | XXXXXXXX-XXXXX XXX XXXXXXXXXXXX XXXXX XX XXX XXXXXXXX XXXXXXXXX XX XXX XXXXXXXXX XXXXXXXX XX XXXXXXXXX XXXXXXXX, XX XXXXXXXXXX XX XXXXXXXXX XXXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX's XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXXXXXXX XX XXXXXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(XXX)(XX); XX XXX XXXXXXX.X(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXXXXX.X(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXXX XXX XXX XXXXXXXXXX XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXX XXXX XXXXXXX XXX XXXXXXXXXXXX XXXXXXXXXXXX XX XXXXXXX XXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXXX XXXXX XXXXX XXX XXXXXXXXXX XXX XXXXX XXXXXXXX XXX XXXX. XXXX XXXXXXXXXX XXXXXX XXXXXXX XXXX XXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXX XXXXXX XXXXXXXXX. XXXX XXXX XXX XXXXXXX XXXXXXX XXXX XXX XXXX XXX XXXXXXX XXXX XXXXXXXX. XXXXXXXX XX XXXXXXXXX, XXXXXX XXXXXXXXXXX XXX XXXX XXXXXXXXXXX XX XXX'XXXXXXX XXX XXXXX XXXXXXXX XXX XX'XXXXXXX XXXX XXXXX XXX XXXXXXXX XXX XX-XXX XXX XXXXXXXX XXX XXXXXXX XXX XXXXXXXX XXX XXXX XX XX-XX. XXXX XXX XXXX XXXXXXXXX XXX XXXX XX XXXXX-XXX. XXXX XXX XXXX XXX XXXXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXX XX XXX XXXXXXXXX – XXX XXX'XXXXXXX XXXXX . XXX XXXX XXXX XXXX XXXXXX-XXXXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXXXXX-XXXXX XXX XXXXXXXXXXXX XXXXX XX XXX XXXXXXXX XXXXXXXXX XX XXX XXXXXXXXX XXXXXXXX XX XXXXXXXXX XXXXXXXX, XX XXXXXXXXXX XX XXXXXXXXX XXXXXXXX, XXXX XX X XXXXXX-XXXXXX XXXXXXXX. XXX XXXX's XXX XX (X.XXX%) XXXXXX XX XXXXXXX XXX XXXXXXXX XXXXXX-XXXXXX XXXXXXXX XX (X.XX%). XXX XXXXXXXXX XX XXXXXXXXXX XX XXXXX X.X XXXXXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXX XXXXXXXXX XX XXXXXXXXXXXXXXX. XXX XXXXXXXXXX XXXX XXX XXXX XX (X.XX%). (XXXXX XX.XX.XX.XX(XXX)(XX); XX XXX XXXXXXX.X(X)(X)) XXXX XXXX XXXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX. (XX XXX § XXXXXXX.X(X)(X))XXXXX XXX XXXXXXX XX XXX XXXXXXXXX XXXX XXX XXX XXXXXXXXXX XXX XXXX XX X XXXXXX-XXXXXX XXXXXXXX XXXX, XX XXXXXXX XX XXXXXXXXXX X. XXXXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXX XXXX XXXXXXX XXX XXXXXXXXXXXX XXXXXXXXXXXX XX XXXXXXX XXX XXX XXXXXX-XXXXXX XXXXXXXX XXXX XXXX XX XXX XXXXXXXXXX XXXXXXXXXX XXX XXXX XXXXX XXXXX XXX XXXXXXXXXX XXX XXXXX XXXXXXXX XXX XXXX. XXXX XXXXXXXXXX XXXXXX XXXXXXX XXXX XXX XXXXXXX XXXXXXX XXXXX XXXXXXX XXX XXXXXX XXXXXXXXX.<br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_XXXX_ | XXXXXXXXXXXXX_XXXXXXXXXX XXXXXXXXXXXXX.XXX_XXXX_<br> XXXXXXXXXXXXX_XXX XXXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 5764913 | N/A | N/A |
| XXXX | XXXX |  | 304844069 | Closed | 2025-10-03 08:06 | 2025-10-22 07:33 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: Fees | XXXXXXXX-XXXX XXXXX XXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXXXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXXXX-XXX XXX XXXX XX XXXXXXX XXXXXXX XXXXXXXX X XXXXXXXXXX XX XXX XXXX XXXX (XXXXXXXX). XXX XXXXXX XXXXXXXX XXXX XXX XXXXXX XXXXXXXXX XXX XXXX XXXXXXXX XXXXX XXXXXX XXXX XXX XXXXXXXXXXXX XXXX XX X.X%. XXXX XXXXX XXXXX XXX XXX XXXXXXXXXX XXXXXX XX ($X,XXX). XXXXX XX XXX XXXXX XX XXX XXXXXX XXX XXX XXXXX XX XXXXXXX. XXXXXXXX XX XXXX XX XXX XXXXXX XXXXXXXX XXXXX XXXXXXXX XXX XXXX XXXXXXX XXX XXXXXXXXXXXX XX XXX XXXXXX XXXXXX XXX XXXX XXXXX XXX XXXXX XXXXX XXXX XXX XXXXX XX XXX XXXXXXXXXX XXXXXX XX XXX XXXXX (XXXXXXXX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX-XXX XXX XXXX XXXX ($XX,XXX.XX) XXXXX XXX (XXXXXXXX) XXXX XXXX XXX XXXX, XXXXX XX ($X,XXX.XX), XXX XXXXXXXXXX XX ($X,XXX.XX). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXXXX-XXXXXX XXXXXXX XXXXXXXXXXXX XXXX XX XXXXXXXX XXXXX XXXX XXXXXXXX XXXX XXX XXXXX XXXXXX XXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXX XXX XXXXXX-XXXXXX - XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXXXX XXXXXX XXXXXXX XX XX XXXXXXXX XX XXXXXXXXXX - XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX-XXX XXX XXXX XXXX ($XX,XXX.XX) XXXXX XXX (XXXXXXXX) XXXX XXXX XXX XXXX, XXXXX XX ($X,XXX.XX), XXX XXXXXXXXXX XX ($X,XXX.XX). XXXXX XX XXXXXX XXXXXXXXXXXX XXXX, XXXX XXX XXXX XXXXXXXX XXXXX XXXXX XXXXXXX. XXXXXXX XX XXXXXXX XXXXXXXXXXXX XXXX XX XXXXXXXX XXXXX XXXX XXXXXXXX XXXX XXX XXXXX XXXXXX XXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXX - XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXXXX XXXXXX XXXXXXX XX XX XXXXXXXX XX XXXXXXXXXX - XXXXXX-XX/XX/XXXX_XXXX_ | XXXXXXXX-XXXX XXXXX XXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_XXXX_ | XXXXXXXXXX_XXXXXXXXX XXXXXXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 5764912 | N/A | N/A |
| XXXX | XXXX |  | 304844069 | Closed | 2025-10-03 08:19 | 2025-10-09 09:16 | Resolved | 1 - Information B A | Credit | Doc Issue | Borrower Certification of Appraisal Delivery is Missing | XXXXXXXX-XXXX XXX XXX XXXXXXXXXXXXXXX XX XXXXXXX XX XXXXXXXX XXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _XXXX_<br> XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXX XXXX XXXX XXXXXXXX - XXXXXX-XX/XX/XXXX _XXXX_<br> XXXX-XXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXX XX XXXXXXX XX XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXX XXXX XXXX XXXXXXXX - XXXXXX-XX/XX/XXXX_XXXX_ | XXXXXXXX-XXXX XXX XXX XXXXXXXXXXXXXXX XX XXXXXXX XX XXXXXXXX XXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_XXXX_ | XXXXXXXXXXXXX_XXX XXXX.XXX |  |  | MD | Primary Residence | Purchase | NA | 5765170 | N/A | N/A |
| XXXX | XXXX |  | 304844069 | Closed | 2025-10-03 08:17 | 2025-10-08 00:21 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Right to Receive Appraisal uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. notice of right to receive appraisal uploaded - Seller-XX/XX/XXXX <br>Open-Right to receive appraisal document is missing in file.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. notice of right to receive appraisal uploaded - Seller-XX/XX/XXXX<br>| Resolved-Right to Receive Appraisal uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXX_XXXXXXXXXXXXXXXXXXXX.pdf |  |  | MD | Primary Residence | Purchase | NA | 5765135 | N/A | N/A |
| XXXX | XXXX |  | 304844198 | Closed | 2025-10-08 22:27 | 2025-10-22 00:54 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Updated Final XXXX with correct REO property address uploaded and the housing history is verified from the Account #XXX-XXX, Housing History Meets XXXXXXXXX Requirements, Verified & entered in system - Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The borrower does own XXXXXXXXXX at XB. The Reo section was a data input error on the broker side. Along with the renting the place.<br> The borrower currently owns. XB, Reo is changed to XB.<br> I have attached the purchase to the property and also hitting the borrower with the XXX.XX in the dti<br> - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements According to the final XXXX, the borrower's current residence at "XXX XXXXXXXXXX XXXXXXX XXXX #XB" is verified as a rental, with monthly rent payments of $X,XXX. However, Page #XX indicates that the borrower purchased the property and became a shareholder in XXXXXXXX XXXX. Additionally, the Letter of Explanation (LOX) on Page #XXX states that the borrower purchased "XXX XXXXXXXXXX XXXXXXX XXXXXXX #XB" and pays only monthly HOA fees of $XXX.XX. Please clarify whether the borrower owns the property or provide proof supporting the rental amount of $X,XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. The borrower does own XXXXXXXXXX at XB. The Reo section was a data input error on the broker side. Along with the renting the place.<br> The borrower currently owns. XB, Reo is changed to XB.<br> I have attached the purchase to the property and also hitting the borrower with the XXX.XX in the dti<br> - Seller-XX/XX/XXXX<br>| Resolved-Updated Final XXXX with correct REO property address uploaded and the housing history is verified from the Account #XXX-XXX, Housing History Meets XXXXXXXXX Requirements, Verified & entered in system - Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf<br>XXXXXXXXXXXX.pdf |  |  | NJ | Primary Residence | Purchase | NA | 5831778 | N/A | N/A |
| XXXX | XXXX |  | 304844198 | Closed | 2025-10-08 00:15 | 2025-10-22 00:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX with correct REO property address uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The borrower does own XXXXXXXXXX at XB. The Reo section was a data input error on the broker side. Along with the renting the place.<br> The borrower currently owns. XB, Reo is changed to XB.<br> I have attached the purchase to the property and also hitting the borrower with the XXX.XX in the dti. New XXXX and closing statement for unit XB showing the borrower owns<br> - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete As per LOX page #XXX, Borrower was renting at the property "XXX XXXXXXXXXX XXXXXXX (XXX #XA)" till XXXX XXXX and then he moved into Apartment #XB which he purchased but the REO section Xa reflects the property which borrower was Renting. Provide clarification or updated Final XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. The borrower does own XXXXXXXXXX at XB. The Reo section was a data input error on the broker side. Along with the renting the place.<br> The borrower currently owns. XB, Reo is changed to XB.<br> I have attached the purchase to the property and also hitting the borrower with the XXX.XX in the dti. New XXXX and closing statement for unit XB showing the borrower owns<br> - Seller-XX/XX/XXXX<br>| Resolved-Updated Final XXXX with correct REO property address uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf<br>XXXXXXXXXXXX.pdf |  |  | NJ | Primary Residence | Purchase | NA | 5815018 | N/A | N/A |
| XXXX | XXXX |  | 304844198 | Closed | 2025-10-07 22:39 | 2025-10-15 10:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC attached for lender credit decrease - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credit from Revised LE -$XXXX decreases to -$X,XXX.XX on Final CD. Provide COC to cure the tolerance. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. COC attached for lender credit decrease - Seller-XX/XX/XXXX<br>| Resolved-Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXX.pdf |  |  | NJ | Primary Residence | Purchase | NA | 5814652 | N/A | N/A |
| XXXX | XXXX |  | 304859499 | Closed | 2025-10-14 07:44 | 2025-11-05 08:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated Account Statement #XXXX with updated balance uploaded, Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated account ending in XXXX, enough in the balance to clear the condition. - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) As per G/Ls dated XX/XX require X months of reserves. Final CD reflects the borrower need $XXX,XXX.XX for closing and $XX,XXX.XX for reserves. A total of verified assets is $XXX,XXX.X . Loan did not contain any other assets. The calculated reserve shortage is $XX,XXX.XX. Provide additional assets to cover reserve shortage. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. updated account ending in XXXX, enough in the balance to clear the condition. - Seller-XX/XX/XXXX<br>| Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated Account Statement #XXXX with updated balance uploaded, Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | OR | Primary Residence | Purchase | NA | 5885252 | N/A | N/A |
| XXXX | XXXX |  | 304859499 | Closed | 2025-10-14 07:38 | 2025-11-05 08:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved. Initial CD & PCCD have been entered and compliance has been run. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD with correct funds to close uploaded - Seller-XX/XX/XXXX <br>Counter-Provide the PCCD with cash to close. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure and final CD cash to close on Pg #XXX and certified funds to close on Pg #XXX are not the same. Provide the initial CD and a PCCD for the cash to close revision. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD with correct funds to close uploaded - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Initial CD & PCCD have been entered and compliance has been run. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXX.pdf<br>XXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | OR | Primary Residence | Purchase | NA | 5885157 | N/A | N/A |
| XXXX | XXXX |  | 304859499 | Closed | 2025-11-05 07:31 | 2025-11-05 08:23 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX, and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML XXXXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXX, and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. The loan meets HPML XXXXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | OR | Primary Residence | Purchase | NA | 6131352 | N/A | N/A |
| XXXX | XXXX |  | 304859499 | Closed | 2025-11-05 07:31 | 2025-11-05 08:22 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | XXXXXXX-XXXXXXX. XXX XXXXXXX XX XXX XXXXXXXX XX XX/X/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXX-XXX XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXX XXXX XX (XXXX-XX-XX) XX XXX XXX XXXXXXXXX XXXXX XXX XXXXXXXXXXXX XXXX XX (XXXX-XX-XX). XXXXX XXXXXXXX XXXXXXX XXX XXX XXXXXXXXXXXX XXXX XX (XXXXXXXX). XXXXX XXXXXXXXXX X, X XXXXXXXX XXXX XXXXXXX XXX XXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XX XXXXX XXXX XXXXX XXXXXXXX XXXXX XXXXXXXXX XXXX XXXXXX XXX XXXXX XXXXXXXXXXXXXXX. (XX XXX XXXXXXXX(X)(X)(X)); XXXX.XX(X)(X)(XXX)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXX-XXXXXXX. XXX XXXXXXX XX XXX XXXXXXXX XX XX/X/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | OR | Primary Residence | Purchase | NA | 6131355 | N/A | N/A |
| XXXX | XXXX |  | 304859499 | Closed | 2025-11-05 07:31 | 2025-11-05 07:53 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | XXXXXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXX-XXXXX XXX (XXX.XX) XX XXXX XXXX XX X XXXX-XXXXX XXXXXXXX XXXXXXXXXX XXXXX XXXXXXX X "XXXXXXXXXXXX XXXXXXXXX". XXXXX XXXXXXXXXX X, XXXXXXX XXXXXXXX XXXXXXXX XXXXX XXX XXX XXXXXXXXXX "XXXXXXXXXXXX XXXXXXXXX" XX XXX XXXX XXXXXXXX XXX XXXXXXXX XXXXXX (XX XXXXXXXXX). (XX XXX XXXXXXXX.XX(X)(X); XX XXX XXXXXXXX.XX(X)(X)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | OR | Primary Residence | Purchase | NA | 6131353 | N/A | N/A |
| XXXX | XXXX |  | 304859499 | Closed | 2025-11-05 07:31 | 2025-11-05 07:46 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | XXXXXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXX-XXXXX XXX (XXX.XX) XX XXXX XXXX XX XXX XXXXXX XXXXXXXXXX XXXXXXX XXXX XXXX XXXXXXXXXX XXXXXXX XXXXXXXXX X "XXXXXXXX XXXXXXX XXX XXXXXXXX XXX" XX XXXXXXX XXXXXXXXXX XXXXXXX XXXXXXXXX X "XXXXXXXX XXXXXXXX XXX XXX XXXXXXXX XXX XXXXXXXX". XXXXX XXXXXXXXXX X, XXXXXXX XXXXXXXX XXXXXXXX XXXXX XXX XXX XXXXXXXXX X XX XXXXXX XXXXXXXXX XXXXXXXX XXX XXXXXXXXXX XXX XXXX XXXX XXXX XXX XXX XXXXXXX XXXXXX XX XXXXXXXXX XXX XXX XXXXXXXXX XXXXXXX. (XX XXX XXXXXXXX.XX(X)(X); XX XXX XXXXXXXX.XX(X)(X)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | XXXXXXX- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | OR | Primary Residence | Purchase | NA | 6131351 | N/A | N/A |
| XXXX | XXXX |  | 304859499 | Closed | 2025-10-14 06:53 | 2025-11-03 00:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | XXXXXXX-XXXXXX XXXXXX XXX XXXXXXX #XXXX XXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXXXXXX XX XXXXXXX XXXXXX XXXXXX XXX XXXXXXX #XXXX XXX XXX XXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXXXXX XXXXXX XXX XXXXXXX #XXXX XXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | OR | Primary Residence | Purchase | NA | 5884564 | N/A | N/A |
| XXXX | XXXX |  | 304859499 | Closed | 2025-10-14 06:29 | 2025-10-16 03:36 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | XXXXXXX-XXXXXXX XXXXXX XXXXXXXX XXXX XXXX XXXXXXX XXX XXXXXXX XXX XXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXX XXXXXX XXXXXXXX XXXX XX XX #XXX XXXXXXXXX XXX XXXX XXXX XX XXXX XXX-XX XXXXXX XXXXX XXX XXX XXXX XXX XX XX XXXXX XXXXXXXX XX XXX XXXXXXXXXXX XXX XXXXXXXX XXXX XXXXXXXXX XXXXX. XXXXXXX X XXXXXXX XXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXXXXXX XXXXXX XXXXXXXX XXXX XXXX XXXXXXX XXX XXXXXXX XXX XXXXXXX, XXXXXXXX & XXXXXXX XX XXXXXX - XXXXXXXX<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | OR | Primary Residence | Purchase | NA | 5884260 | N/A | N/A |
| XXXX | XXXX |  | 304823750 | Closed | 2025-10-09 01:37 | 2025-10-28 06:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | XXXXXXX-XXXXXXX XXX XX XXX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXXXX XXX.XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXX XXXXXX XXXXXXXXX , XXXX XXXXXX XXXXX XXXX - XXXXXX-XX/XX/XXXX <br>XXXX-XXXXXXX XXX XX XXX.XX% XXXXXXX XXXXXXXXX XXX.XX% XXX XXXXXXXXXX XX X.XX% XXX XX XXX XXXXXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXX XX $X,XXX.XX XXXX XXXX XXXXXX XXXX XXXXX XXXXXXX XXXXXXX XXX XXX XXXXX XXXXX XXXX XXXXXXXX XXXXX XXXXXXXXXX XX $X,XXX.XX XXXXX XX XXXXX, XX XXX XXXXXXXXXX XXX XX XXX.XX% XXXXXXX XXXXXXXXX XXX.XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXX XXXXXX XXXXXXXXX , XXXX XXXXXX XXXXX XXXX - XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXXXXXX XXX XX XXX.XX% XX XXXX XXXX XX XXXXX XX XXXXXXXXX XXXXX XXX.XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 5832558 | N/A | N/A |
| XXXX | XXXX |  | 304823750 | Closed | 2025-10-14 21:53 | 2025-10-28 02:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | XXXXXXX-XXXXXXXX XXXXX XXXX XXXX XXXXX XXXXX XXX XXXXXXXXXX XXXXXXX "XXXXXXXX XXXX XX XX XXXXXXXX XXXXX XX XX% XX XXXX". XXXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXX XXXXX XXXXX XX XXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXX XXXXX XXXX XX XXXXXXXXXX XXXXXXXX XXXX XXXX XX XXXXXX XXX XX XXXXXXXXX XXXXX XX XX% XX XXXX" XX XXX XXX XXXXXXX. XXXXXXX XXXXXXX XXXXX XXXX XXXX XX XXXXXXXXX XXX XXX XXX XXXXXXXX XXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXXXXXXX XXXXX XXXX XXXX XXXXX XXXXX XXX XXXXXXXXXX XXXXXXX "XXXXXXXX XXXX XX XX XXXXXXXX XXXXX XX XX% XX XXXX". XXXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXX XXXXX XXXXX XX XXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 5896270 | N/A | N/A |
| XXXX | XXXX |  | 304823750 | Closed | 2025-10-14 23:12 | 2025-10-23 03:51 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Provide Homeownership Counseling Disclosure, Missing in File - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Homeownership Counseling Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXX XXXXXXXXXX XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 5896518 | N/A | N/A |
| XXXX | XXXX |  | 304823750 | Closed | 2025-10-14 22:26 | 2025-10-21 09:24 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Updated Approval uploaded. Resolved. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Received income calculator but need an updated Approval as this is not a full doc - XX months loan. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. please see calculation for income. - Seller-XX/XX/XXXX _xXXXX_<br> Open-As per lender approval page #XXX the borrower Income is qualified with Full Doc - XX Months program whereas the borrower income in file is qualified with XX Months BS. Provide documents to support if the borrower is qualified with Full doc. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. please see calculation for income. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Updated Approval uploaded. Resolved. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXXXXXXXXXX.pdf_xXXXX_<br> Screenshot XXXX-XX-XX XXXXXX.jpg |  |  | CA | Primary Residence | Purchase | NA | 5896351 | N/A | N/A |
| XXXX | XXXX |  | 304823750 | Closed | 2025-10-09 01:36 | 2025-10-17 06:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Rescinded-Audited DTI Exceeds Guideline DTI Underwriter calculated monthly income is $X,XXX.XX. Actual calculated monthly income is $X,XXX.XX. DTI condition is open. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | Rescinded-Audited DTI Exceeds Guideline DTI Underwriter calculated monthly income is $X,XXX.XX. Actual calculated monthly income is $X,XXX.XX. DTI condition is open. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 5832555 | N/A | N/A |
| XXXX | XXXX |  | 304823750 | Closed | 2025-10-14 22:07 | 2025-10-17 00:10 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final CD shows seller paid prorated taxes at close, Verified - Resolved<br> - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Property Title Issue Resolved - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Taxes were paid by the seller. Confirmation is on the Final Closing Disclosure. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Property Title Issue Title Report reflects delinquent taxes, Provide proof if the taxes are being paid off. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Taxes were paid by the seller. Confirmation is on the Final Closing Disclosure. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Final CD shows seller paid prorated taxes at close, Verified - Resolved<br> - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Property Title Issue Resolved - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 5896296 | N/A | N/A |
| XXXX | XXXX |  | 304823750 | Closed | 2025-10-09 03:06 | 2025-10-14 23:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX.<br> The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX.<br> The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 5832900 | N/A | N/A |
| XXXX | XXXX |  | 304823750 | Closed | 2025-10-09 03:06 | 2025-10-14 23:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX.<br> The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | _xXXXX_ | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX.<br> The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | CA | Primary Residence | Purchase | NA | 5832901 | N/A | N/A |
| XXXX | XXXX |  | 304871907 | Closed | 2025-10-15 03:48 | 2025-11-14 03:53 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD uploaded and Email from insurance agent confirms there are no claims done on the property through the insurance month of XXXXXXX XX XXXX and XXXXXXX XX XXXX, Verified - Resolved - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX and the Disbursement Date of XX-XX-XXXX. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-PCCD uploaded and Email from insurance agent confirms there are no claims done on the property through the insurance month of XXXXXXX XX XXXX and XXXXXXX XX XXXX, Verified - Resolved - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX_xXXXX_ | Email from insurance agent .pdf_xXXXX_<br> LOE No claimes.pdf_xXXXX_<br> XXXXXXX XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 5897615 | N/A | N/A |
| XXXX | XXXX |  | 304871907 | Closed | 2025-10-15 04:54 | 2025-11-14 05:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX<br> An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX<br> An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 5897988 | N/A | N/A |
| XXXX | XXXX |  | 304871907 | Closed | 2025-10-15 10:58 | 2025-11-14 05:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX<br> An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX<br> An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 5904604 | N/A | N/A |
| XXXX | XXXX |  | 304827035 | Closed | 2025-10-22 17:22 | 2025-12-10 17:36 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Costs Detail number of days interest paid is missing or inaccurate | Resolved-PCCD. LOE evidence of refund and POD provided. Resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Please see attached package sent to borrower to cure interest error - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-Per DOT the notary date is XX/XX/XX. However, prepaid interest dates are X/X/XX-XX/X/XX - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-PCCD. LOE evidence of refund and POD provided. Resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXXXX_XXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5981097 | N/A | N/A |
| XXXX | XXXX |  | 304827035 | Closed | 2025-10-17 13:53 | 2025-11-12 14:36 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledged. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-XX approves exception for missing Business Purpose & Occupancy affidavit at application. One executed at closing. Comp Factors: XXX FICO, XX mos reserves, X.XX DSCR - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VXX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Missing Business Purpose Affidavit signed at submission and at close. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Acknowledged-XX Acknowledged. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 5936299 | Investor Post-Close | No |
| XXXX | XXXX |  | 304848642 | Closed | 2025-10-28 10:52 | 2025-11-10 13:59 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Rent Roll Provided, Resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached Rent Roll. - Buyer-XX/XX/XXXX <br>Counter-Page XX of the attachment in Findings:XX XXXXXXXX XX, XXXXXXXX - XXXXXXX.XXX corrects the Market Monthly Rent to reflect $XX,XXX (numbered as XX at the bottom of the report); however the Rent Roll is still missing from the appraisal report. Per GL regarding Property, p X of the GLs, a Rent Roll should be included in the appraisal report. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-The following attachments are required for appraisal reports: 'Rent Roll'. There is a Rent Roll on p XXX however it is not included in the Appraisal report or signed by the Appraiser. Also, on the Appraisal, p XX, the Conclusion of Market Rents shows a total of $XX,XXX but the total is actually $XX,XXX when you add up the appraiser's figures. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Rent Roll Provided, Resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XX XXXXXXXX XX, XXXXXXXX - XXXXXXX.XXX<br>XXXX XXXX - XX XXXXXXXX XX (X).XXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 6039599 | N/A | N/A |
| XXXX | XXXX |  | 304848642 | Closed | 2025-10-27 02:43 | 2025-10-30 17:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Reserves are less than GL required reserves of X months, provided additional XXXX bank statement, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Audited Reserves of XXX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. For liquidity, the attached is the borrower's XXXX, from X/X-XX/XX. The screenshot is just to show access to the account.<br>- Buyer-XX/XX/XXXX <br>Open-Audited Reserves of X month(s) are less than Guideline Required Reserves of X month(s) As per Matrix dated XX/XX/XXXX minimum required reserves are X. Per provided bank statements calculated reserves as X.XX which is lower than GL's. There is a 'Withdrawals & Rollovers' print out on page XXX that reflects a Vested account balance of $X,XXX,XXX.XX however it does not reflect the company name, the account holder's name or the account number on that page. Provide supporting document that includes verification of the required information in order to include this asset or provide other account verification to cover the source of funds/reserve requirements. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Audited Reserves of XXX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Reserves are less than GL required reserves of X months, provided additional XXXX bank statement, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Audited Reserves of XXX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXXXX_XXXX_XXXX-XX-XX.XXX<br>XXXXXXXXX- XXXXXXX XX-XX-XX - XXXX.XXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 6018566 | N/A | N/A |
| XXXX | XXXX |  | 304848642 | Closed | 2025-10-27 00:56 | 2025-10-30 02:11 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary valuation is missing in file, Provided the same, changes made in system, Finding Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The Secondary Valuation is missing. Per GLs, the following are required "One (X) full appraisal - acceptable forms below - and a Commercial BPO are required on all properties". The full appraisal is in file but the Commercial BPO is missing. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Secondary valuation is missing in file, Provided the same, changes made in system, Finding Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXX.XXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 6018183 | N/A | N/A |
| XXXX | XXXX |  | 304848642 | Closed | 2025-10-27 00:23 | 2025-10-30 02:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax cert is missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Missing tax certificate. The Settlement Statement (HUD-XA) reflects property taxes of $X,XXX.XX/month ($XX,XXX/year) as does the First Payment Letter however there is no tax certificate or back up for the tax amount. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Tax cert is missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXX (X) (X).XXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 6018086 | N/A | N/A |
| XXXX | XXXX |  | 304893250 | Closed | 2025-10-27 01:06 | 2025-11-21 04:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Updated PCCD uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD uploaded as well - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CD with lender credits to cure borrower for credit fee increase - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure PCCD provided on page #XXX fees on section A not visible. Provide a legible copy. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD uploaded as well - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CD with lender credits to cure borrower for credit fee increase - Seller-XX/XX/XXXX<br>| Resolved-Updated PCCD uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX xx xxxxxxx.XXX<br>XXXXXXXXXX XXXXXX XXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6018231 | N/A | N/A |
| XXXX | XXXX |  | 304893250 | Closed | 2025-10-27 00:44 | 2025-11-21 04:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CD with lender credits or credit report fee. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXXXXX(e)(X); XX CFR XXXXXXXXX(e)(X); XX CFR XXXXXXXXX(f)(X)(v)). The Credit fee increased from $XXX on the Initial CD to $XXX.XX on the Final CD with no COC is file. Provide COC.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. CD with lender credits or credit report fee. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX xx xxxxxxx.XXX |  |  | CA | Primary Residence | Purchase | NA | 6018148 | N/A | N/A |
| XXXX | XXXX |  | 304893250 | Closed | 2025-10-26 23:15 | 2025-10-29 08:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Resolved. Bank statements provided from the applicable months. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing For account #XXX business bank statements from XXXXX XXXX to XXXXXXXXX XXXX is missing. Provide the missing statements as they were included in the income calculation worksheet. <br>- Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Bank statements provided from the applicable months. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXX xxxxxx xxxxxxxxxx.XXX |  |  | CA | Primary Residence | Purchase | NA | 6017846 | N/A | N/A |
| XXXX | XXXX |  | 304893250 | Closed | 2025-10-26 23:37 | 2025-10-28 00:14 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Loan was opened X/XX/XXXX. The statement in file also shows xxxxxx XXXXXXXXX and XXXXXXX payment. Housing History Meets XXXXXXX Requirements.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. That's X payments for this year but loan was opened X/XX/XXXX it would have said if he missed any payments. The statement in file also shows xxxxxx XXXXXXXXX and XXXXXXX payment. They also just sold the property FSS attached. All documents present in the loan package. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXX Requirements Primary Mortgage or Current Rent History considered X months from Credit Report unable to verify recent full XX months housing history.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. That's X payments for this year but loan was opened X/XX/XXXX it would have said if he missed any payments. The statement in file also shows xxxxxx XXXXXXXXX and XXXXXXX payment. They also just sold the property FSS attached. All documents present in the loan package. - Seller-XX/XX/XXXX<br>| Resolved-Loan was opened X/XX/XXXX. The statement in file also shows xxxxxx XXXXXXXXX and XXXXXXX payment. Housing History Meets XXXXXXX Requirements.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XX.XXX<br>XXXXXXXXX.XXX<br>XXXXX xx XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6017950 | N/A | N/A |
| XXXX | XXXX |  | 304875234 | Closed | 2025-11-03 15:47 | 2025-11-24 15:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Formal exception - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXXXXXXXX agrees to waive given comp factors and LOX - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXX Requirements Per XXXs, Evidence of Primary Residence is required: "All Borrowers and Guarantors must maintain a primary residence. Evidence of primary occupancy is required." This borrower is living rent free since XXXXXXXXX of XXXX with family in property owned by his mother per the LOX on p XXX. The LOX is signed by both the borrower and the property owner. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-XXXXXXXXXX agrees to waive given comp factors and LOX - Seller-XX/XX/XXXX<br>| Waived-Formal exception - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | Compensating Factors: FICO XXX (min XXX), DSCR X.XXX (Min X.XX), Funds verified of $XXX,XXX.XX per bank statement which equates to XX months reserves excluding the cash out (XXX requires reserves of X months PITIA required and Net proceeds from transaction may not be used to meet minimum required reserves). | PA | Investment | Refinance | Cash Out - Other | 6107009 | Investor Post-Close | No |
| XXXX | XXXX |  | 304875234 | Closed | 2025-10-30 02:54 | 2025-11-12 14:35 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br>Counter-Only the invoice has been provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXX requirements and CU Score, if present, is greater than X.X Per XXXs for a X-X unit, One (X) full appraisal and a Commercial BPO are required on all properties. The full appraisal is in file however the Commercial BPO is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXX (XX).XXX<br>XXXXXXXX XXXXXXX (XX).XXX<br>XXXX_W_XXXXXX_XX_XXXXXXXXXXX_XX_XXXXX_XXXXXXXX_XXXX (X).XXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6063059 | N/A | N/A |
| XXXX | XXXX |  | 304875234 | Closed | 2025-11-03 15:45 | 2025-11-12 12:41 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Appraisal Report Attachments requirements per XXXs that are missing include: Legal Description, Deeds and Tax Certificate, Leases, Sketch or Floor Plan, Environmental Assessment. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6106982 | N/A | N/A |
| XXXX | XXXX |  | 304875234 | Closed | 2025-10-30 02:00 | 2025-11-04 22:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-DL Photo ID provided. Resolved - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br>Open-Borrower X Citizenship Documentation Is Missing Per XXXs, Verification of name, date of birth, address, identification number of all Borrowers and Guarantors is required. Date of birth is missing and there is no DL or US Patriot Act in file. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX<br>| Resolved-DL Photo ID provided. Resolved - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6062804 | N/A | N/A |
| XXXX | XXXX |  | 304852781 | Closed | 2025-11-06 17:51 | 2025-11-21 13:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Document provided supports the condition - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-The Note is Incomplete Note in file shows P&I of $XX,XXX.XX for XXX however per terms, loan is IO and should read as $XX,XXX.XX. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Document provided supports the condition - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 6164723 | N/A | N/A |
| XXXX | XXXX |  | 304893350 | Closed | 2025-11-05 00:51 | 2025-11-07 13:57 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Resolved. Revised XXXX received and updated. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per X/X dated XX/XX/XXXX section X.X the primary wage earners decision score is utilized for multiple borrowers. Provide a revised XXXX & Loan Approval. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Revised XXXX received and updated. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX<br>XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  | TX | Primary Residence | Purchase | NA | 6128090 | N/A | N/A |
| XXXX | XXXX |  | 304893350 | Closed | 2025-11-05 02:39 | 2025-11-07 14:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #'sXXX, XXX. Final Closing disclosure on Pg #'XXX, Rate lock doc on pg-XXX. An interior and exterior appraisal was completed for this property on Pg #XX. A copy of the appraisal was given to the borrower on pgs-XXX. confirmation the appraisal was delivered to the borrower – see Pg #'s XXX-XXX. The loan meets HPML Guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly. All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #'sXXX, XXX. Final Closing disclosure on Pg #'XXX, Rate lock doc on pg-XXX. An interior and exterior appraisal was completed for this property on Pg #XX. A copy of the appraisal was given to the borrower on pgs-XXX. confirmation the appraisal was delivered to the borrower – see Pg #'s XXX-XXX. The loan meets HPML Guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6128512 | N/A | N/A |
| XXXX | XXXX |  | 304893372 | Closed | 2025-11-06 06:04 | 2025-11-13 01:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX uploaded with Net monthly rental loss or income for property "XXXXXXXXXXXXXXXXXXXXXXXX", Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Net monthly rental loss or income for property XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX is missing on final XXXX page #XXXX. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated Final XXXX uploaded with Net monthly rental loss or income for property "XXXXXXXXXXXXXXXXXXXXXXXX", Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 6151267 | N/A | N/A |
| XXXX | XXXX |  | 304893370 | Closed | 2025-11-07 08:34 | 2025-11-13 01:33 | Resolved | 1 - Information C A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Monthly tax and insurance documents uploaded for properties : XXXXXXXXXXXXXXXXXX , XXXXXXXXXXXXXXXXXX & XXXXXXXXXXXXXXXXXXXXXXXXXXXXX property, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. attached are taxes and insurance for XXXX & XXXX XXXXXXXXXX. Also attached are updated HOI not expired for XXXXXXXXXXXXXXXXXXXXXXXXX - Seller-XX/XX/XXXX <br> Open-Monthly tax and insurance documents are missing for properties : XXXX XXXXXXXXXX and XXXX XXXXXXXXXX. Provided HOI policy pg-XXX, XXX is expired for REO property XXXXXXXXXXXXXXXXXXXXXXXXX and XXXXXXXXXXXXXXXXXXXXXXXXX . - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached are taxes and insurance for XXXX & XXXX XXXXXXXXXX. Also attached are updated HOI not expired for XXXXXXXXXXXXXXXXXXXXXXXXX - Seller-XX/XX/XXXX<br>| Resolved-Monthly tax and insurance documents uploaded for properties : XXXXXXXXXXXXXXXXXX , XXXXXXXXXXXXXXXXXX & XXXXXXXXXXXXXXXXXXXXXXXXXXXXX property, Verified & entered in system - Resolved<br> - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXX<br>XXXXXXXXXXXXXXXXXXXXXXXXXXXX<br>XXXXXXXXXXXXXXXXXXXXXXXXXXXX<br>XXXXXXXXXXXXXXXXXXXXXXXXXXXX<br>XXXXXXXXXXXXXXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 6170759 | N/A | N/A |
| XXXX | XXXX |  | 304893371 | Closed | 2025-11-07 05:44 | 2025-11-12 06:34 | Resolved | 1 - Information C A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Monthly tax and insurance documents uploaded for properties : XXXX XXXXXXX XX and XXXX XXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Monthly tax and insurance documents are missing for properties : XXXX XXXXXXX XX and XXXX XXXXXXX XX. And provided HOI policy pg-XXX is expired for REO property XXXX XXXX XX #X&X property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Monthly tax and insurance documents uploaded for properties : XXXX XXXXXXX XX and XXXX XXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXX XX-- XXX XXXX.pdf<br>XXXX XXXXXXX XX-- XXX XXXX.pdf<br>XXXX XXXXXXX XX -- XXXXX XXXX XXXXXX.pdf<br>XXXX XXXXXXX XX -- XXXXX XXXX XXXXXX.pdf<br>XXXX XXXXXXX XX -- XXX XXXX.pdf<br>XXXX XXXXXXX XX -- XXX XXXX.pdf<br>XXXX XXXX XXXXX XXXXXXXX.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | 6168212 | N/A | N/A |
| XXXX | XXXX |  | 304893340 | Closed | 2025-11-07 03:51 | 2025-11-12 06:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Missing Borrower Non-US Citizen Identification Document or Identification from county of origin. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX XXXXXXXXXX XX.pdf |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 6167128 | N/A | N/A |
| XXXX | XXXX |  | 304874402 | Closed | 2025-11-12 18:16 | 2025-11-26 10:03 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Executed Note Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. pLEASE SEE THE ATTACHED - Buyer-XX/XX/XXXX <br>Open-The Note is Not Executed Note is executed at closing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Executed Note Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXX_Note.pdf |  |  | TX | Investment | Purchase | NA | 6231962 | N/A | N/A |
| XXXX | XXXX |  | 304874402 | Closed | 2025-11-09 21:17 | 2025-11-26 10:01 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Executed DOT Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Buyer-XX/XX/XXXX <br>Open-The Deed of Trust is Not Executed Deed of Trust is Unexecuted. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Executed DOT Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXX_DOT.pdf |  |  | TX | Investment | Purchase | NA | 6187824 | N/A | N/A |
| XXXX | XXXX |  | 304874402 | Closed | 2025-11-09 21:46 | 2025-11-20 02:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Executed copy of Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached final CD - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Final CD is Unexecuted - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Executed copy of Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXX_CD.pdf |  |  | TX | Investment | Purchase | NA | 6187942 | N/A | N/A |
| XXXX | XXXX |  | 304898671 | Closed | 2025-11-14 07:53 | 2025-11-18 06:14 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Resolved, Missing DSCR sizer document received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Sizer - Seller-XX/XX/XXXX <br>Open-DSCR Does Not Meet Guideline Requirement. Missing DSCR sizer document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Sizer - Seller-XX/XX/XXXX<br>| Resolved-Resolved, Missing DSCR sizer document received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_Sizer.pdf |  |  | GA | Investment | Refinance | Cash Out - Other | 6252301 | N/A | N/A |
| XXXX | XXXX |  | 304898830 | Closed | 2025-11-08 01:04 | 2025-11-17 12:58 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Resolved. Lender provided Desk Review for the subject property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Not cleared. The Collateral Desktop Analysis uploaded was for a different property XXXX XXXXXXX XXXXXX. The subject property is XXX XXXXXXX XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Rescind Finding. Xnd Val submitted on XX/XX with initial loan file. Check your File Uploads tab. - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Rescind Finding. Xnd Val submitted on XX/XX with initial loan file. Check your File Uploads tab. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender provided Desk Review for the subject property. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXX XXXXXXX XXXXXXX.pdf |  |  | MD | Investment | Refinance | Cash Out - Other | 6181927 | N/A | N/A |
| XXXX | XXXX |  | 304898830 | Closed | 2025-11-10 11:31 | 2025-11-14 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Resolved. Lender provided fraud report showing all parties. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded DataVerify report - Seller-XX/XX/XXXX <br>Open-Per guidelines, section XX.X.X, Prior to funding, all parties to the loan transaction are processed through a screening to confirm zero involvement in a transaction found on watch lists. Missing third party fraud report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded DataVerify report - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender provided fraud report showing all parties. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XX.pdf |  |  | MD | Investment | Refinance | Cash Out - Other | 6197270 | N/A | N/A |
| XXXX | XXXX |  | 304902634 | Closed | 2025-11-10 05:17 | 2025-11-12 13:13 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing PCCD. | Resolved-Updated XXXX page and post closing XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-In file there is wire transfer of amount $XX,XXX.XX (cash to close amount as per final XX) was transferred to escrow on XX/XX/XXXX which is on closing date XX/XX/XXXX. Require XXXX with updated cash to close amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX page and post closing XX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXXXX XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6190328 | N/A | N/A |
| XXXX | XXXX |  | 304902634 | Closed | 2025-11-10 04:29 | 2025-11-12 12:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> XXXX Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXX, XXX<br> Final Closing disclosure on Pg#'XXX<br> Rate lock doc on pg-XXX.<br> An interior and exterior appraisal was completed for this property on pg-XX. <br> A copy of the appraisal was given to the borrower on pgs-XXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX.<br> The loan meets XXXX Guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> XXXX Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXX, XXX<br> Final Closing disclosure on Pg#'XXX<br> Rate lock doc on pg-XXX.<br> An interior and exterior appraisal was completed for this property on pg-XX. <br> A copy of the appraisal was given to the borrower on pgs-XXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX.<br> The loan meets XXXX Guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6189905 | N/A | N/A |
| XXXX | XXXX |  | 304902634 | Closed | 2025-11-10 04:29 | 2025-11-12 12:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's XXX of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(XXX. XXX. Code XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> XXXX Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXX, XXX<br> Final Closing disclosure on Pg#'XXX<br> Rate lock doc on pg-XXX.<br> An interior and exterior appraisal was completed for this property on pg-XX. <br> A copy of the appraisal was given to the borrower on pgs-XXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX.<br> The loan meets XXXX Guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's XXX of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(XXX. XXX. Code XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> XXXX Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'XXX, XXX<br> Final Closing disclosure on Pg#'XXX<br> Rate lock doc on pg-XXX.<br> An interior and exterior appraisal was completed for this property on pg-XX. <br> A copy of the appraisal was given to the borrower on pgs-XXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX.<br> The loan meets XXXX Guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6189906 | N/A | N/A |
| XXXX | XXXX |  | 305040460 | Closed | 2025-11-10 01:27 | 2025-11-24 07:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Formal exception in loan file - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception has been approved by XX - Seller-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% Appraisal Reflects property location is rural as per matrices XX/XX/XXXX max LTV for rural located property is XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception has been approved by XX - Seller-XX/XX/XXXX<br>| Waived-Formal exception in loan file - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXX Exception for XXX-XXXX.pdf |  |  | OH | Primary Residence | Purchase | NA | 6188926 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305040460 | Closed | 2025-11-10 01:06 | 2025-11-21 05:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud report with XXX uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Gap Credit Report within XX Business Days from Closing Missing in File. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXX fraud report with XXX.pdf |  |  | OH | Primary Residence | Purchase | NA | 6188855 | N/A | N/A |
| XXXX | XXXX |  | 305040460 | Closed | 2025-11-09 23:58 | 2025-11-20 23:36 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Updated Final XXXX with Ethnicity selection marked uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Borrower X Ethnicity Selection is Not Provided Provide updated XXXX. Ethnicity Selection not Marked on XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated Final XXXX with Ethnicity selection marked uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXX XXXX (XXXX_XX) - All Pages.pdf |  |  | OH | Primary Residence | Purchase | NA | 6188558 | N/A | N/A |
| XXXX | XXXX |  | 305040460 | Closed | 2025-11-10 02:11 | 2025-11-16 08:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXfor the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXXfor the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>|  |  |  | OH | Primary Residence | Purchase | NA | 6189077 | N/A | N/A |
| XXXX | XXXX |  | 304898687 | Closed | 2025-11-19 11:09 | 2026-01-13 13:42 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Mini-statement detail provided on receipt sows transactions XX/X to XX/XX. New balance is $XX,XXX.XX which is within XX% of prior outstanding balance. Acceptable to use mini-statement to verify $XXK balance. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Counter-Not cleared. Missing transaction history from XX/XX-XX/XX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Transaction history for the period XX/XX – XX/XX deemed unnecessary. Assets are adequately documented. File contains X months bank statements (XX/XX/XXXX & XX/XX/XXXX) and transaction history for same account dated XX/XX/XXXX (which covers XX/XX – XX/XX). Though there is a gap between XX/XX – XX/XX the increase in balance is within the XX% large deposit tolerance, so we would not need to document the increase in balance. - Seller-XX/XX/XXXX <br>Open-Per guidelines section X.X.X, Since bank statements and investment portfolio statements typically cover X- month of transactions, it may omit recent or pending transactions. An online or financial institution generated transaction history is acceptable when it is used in combination with bank or investment portfolio statement(s) containing the missing information and: X. Identifies the name of the institution, X. Establishes that the transaction history corresponds with the statement, and X. Identifies source of the information (e.g., URL, bank date stamp, fax banner)<br> For XXXXXXXX acct#XXXX, there is a statement in file ending XX/XX/XX and XX/XX/XX. There is a deposit receipt showing $XX,XXX.XX available balance with transaction history from XXXX-XX/XX. Missing transaction history from XX/XX-XX/XX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Transaction history for the period XX/XX – XX/XX deemed unnecessary. Assets are adequately documented. File contains X months bank statements (XX/XX/XXXX & XX/XX/XXXX) and transaction history for same account dated XX/XX/XXXX (which covers XX/XX – XX/XX). Though there is a gap between XX/XX – XX/XX the increase in balance is within the XX% large deposit tolerance, so we would not need to document the increase in balance. - Seller-XX/XX/XXXX<br>| Resolved-Mini-statement detail provided on receipt sows transactions XX/X to XX/XX. New balance is $XX,XXX.XX which is within XX% of prior outstanding balance. Acceptable to use mini-statement to verify $XXK balance. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>|  |  |  | PA | Investment | Purchase | NA | 6308096 | N/A | N/A |
| XXXX | XXXX |  | 304875233 | Closed | 2025-11-14 00:42 | 2025-11-24 16:34 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Seller cannot produce, XX acknowledged. Please downgrade to Non-Material Grade X<br>- Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit is missing in file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Acknowledged-XX Acknowledges - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>|  |  |  | PA | Investment | Refinance | Cash Out - Other | 6248680 | Investor Post-Close | No |
| XXXX | XXXX |  | 304875233 | Closed | 2025-11-14 01:53 | 2025-11-21 04:06 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided updated & condition resolved.<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary/Review valuation is missing from file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-Requested secondary valuation provided updated & condition resolved.<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6248930 | N/A | N/A |
| XXXX | XXXX |  | 304893341 | Closed | 2025-11-17 02:50 | 2025-11-24 11:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Updated TRID dated XX/XX with the COC got an all clear. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached COC for XX/XX CD. It shows price changed from XXXX.XX to X - Seller-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender credit decreased from $X,XXX.XX in initial CD dated XX/XX/XXXX to $X in revised CD dated XX/XX/XXXX. provide COC - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached COC for XX/XX CD. It shows price changed from XXXX.XX to X - Seller-XX/XX/XXXX<br>| Resolved-Updated TRID dated XX/XX with the COC got an all clear. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXX |  |  | OK | Primary Residence | Purchase | NA | 6267841 | N/A | N/A |
| XXXX | XXXX |  | 304893341 | Closed | 2025-11-17 02:50 | 2025-11-24 11:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Oklahoma - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-This is an XXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (Okla. Admin. Code XXX:XX-X-X(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX<br> An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-This is an XXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (Okla. Admin. Code XXX:XX-X-X(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX<br> An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>|  |  |  | OK | Primary Residence | Purchase | NA | 6267843 | N/A | N/A |
| XXXX | XXXX |  | 304893341 | Closed | 2025-11-17 02:50 | 2025-11-24 11:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX<br> An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX<br> An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>|  |  |  | OK | Primary Residence | Purchase | NA | 6267842 | N/A | N/A |
| XXXX | XXXX |  | 304893316 | Closed | 2025-11-17 06:51 | 2025-11-18 05:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> XXXX Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX, XXX<br> Final Closing disclosure on Pg#'XXX<br> Rate lock doc on pg-XXX.<br> An interior and exterior appraisal was completed for this property on pg-XX. <br> A copy of the appraisal was given to the borrower on pgs-XXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXX.<br> The loan meets XXXX Guidelines, resolved.<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> XXXX Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX, XXX<br> Final Closing disclosure on Pg#'XXX<br> Rate lock doc on pg-XXX.<br> An interior and exterior appraisal was completed for this property on pg-XX. <br> A copy of the appraisal was given to the borrower on pgs-XXX.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s XXX.<br> The loan meets XXXX Guidelines, resolved.<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6270004 | N/A | N/A |
| XXXX | XXXX |  | 304893177 | Closed | 2025-12-05 05:34 | 2025-12-11 08:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Hi there! - Quick question, Where did the title endorsement fee increase?- Thx - Seller-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees ($X,XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Title Endorsement Fee). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX XXX XXXXX.XX(e)(X)(ii); XX XXX XXXXX.XX(e)(X)(iv)). - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Hi there! - Quick question, Where did the title endorsement fee increase?- Thx - Seller-XX/XX/XXXX<br>|  |  |  |  | CA | Primary Residence | Purchase | NA | 6499948 | N/A | N/A |
| XXXX | XXXX |  | 304893177 | Closed | 2025-12-10 13:29 | 2025-12-10 14:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) - XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6573666 | N/A | N/A |
| XXXX | XXXX |  | 304893177 | Closed | 2025-12-05 05:32 | 2025-12-10 13:58 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Non XX loan - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Non XX loan - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Non XX loan - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Non-XX file, rescinded - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan's (X.X%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXXX.XX(e)(X)(vi)(A)) - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Non XX loan - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Non XX loan - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Non XX loan - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Non-XX file, rescinded - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6499913 | N/A | N/A |
| XXXX | XXXX |  | 304893177 | Closed | 2025-11-25 12:48 | 2025-12-10 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-XXXX updated - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Page XXX XXXX Underwriter shows included PITIA monthly $XXX Solar Financing as 'Association/Project Dues'. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Subordination Agreement for Solar Energy System Loan Agreement shown Title Commitment requirement #XX. - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXX updated - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXXX.pdf<br>XXXXX XXXXX.pdf<br>XXXX xxxxx xxxxx.pdf<br>XXXX xxxxx xxxxx.pdf |  |  | CA | Primary Residence | Purchase | NA | 6388191 | N/A | N/A |
| XXXX | XXXX |  | 304893177 | Closed | 2025-12-05 05:33 | 2025-12-05 05:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Title Endorsement Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(e)(X); XX XXX XXXXX.XX(f)(X)(v)). - XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6499916 | N/A | N/A |
| XXXX | XXXX |  | 304893177 | Closed | 2025-11-24 05:09 | 2025-12-05 05:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-XXXX provided. Resolved<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure Gift of $XX,XXX has been wired to escrow on XX/XX/XXXX pg#XXX, which is after closing date XX/XX/XXXX, hence required XXXX with gift adjustments in cash to close requirements. - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXX provided. Resolved<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXXX XXXX.pdf<br>XXXXX XXXXX XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6359310 | N/A | N/A |
| XXXX | XXXX |  | 304893177 | Closed | 2025-11-24 03:55 | 2025-12-10 13:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.X%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.X%) APR equals or exceeds the Federal HPML threshold of (X.XX%). ... |  | Resolved-The loan's (X.X%) APR equals or exceeds the Federal HPML threshold of (X.XX%). ... - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>| XXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6358765 | N/A | N/A |
| XXXX | XXXX |  | 304893177 | Closed | 2025-11-24 03:55 | 2025-12-10 13:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-The loan's (X.X%) APR equals or exceeds the Federal HPML threshold of (X.XX%). ... |  | Resolved-The loan's (X.X%) APR equals or exceeds the Federal HPML threshold of (X.XX%). ... |  |  |  | CA | Primary Residence | Purchase | NA | 6358766 | N/A | N/A |
| XXXX | XXXX |  | 304779988 | Closed | 2025-11-25 23:35 | 2026-01-02 00:47 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage is less than Loan amount, provided Updated title , changes made in system, Finding Resolved - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find the final title policy with the correct loan amount to clear this finding. - XXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount $XXXXXX hence marked is as open. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Title Coverage is less than Loan amount, provided Updated title , changes made in system, Finding Resolved - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXX XXXXX XXXXXXX.pdf |  |  | MD | Investment | Refinance | Cash Out - Other | 6395107 | N/A | N/A |
| XXXX | XXXX |  | 304779988 | Closed | 2025-11-26 01:32 | 2025-12-01 11:19 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Lender provided approved exception in file, p. XXXX, for cash out >$XXXXXX is approved. Cash to borrower exceeds $XXXXXX by approximately $XXX. Cash to borrower to not exceed $XXX,XXX. Finding waived. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |  | Waived-Cash Out is not completed according to the guideline requirements ... - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  | DSCR is X.XX. Minimum required per guidelines is X.<br> Borrower(s) have XXX.XX months Reserves. Minimum required per guidelines is X months.<br> Credit Score is XXX. Minimum required per guidelines is XXX. | MD | Investment | Refinance | Cash Out - Other | 6395821 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304893096 | Closed | 2025-11-28 00:22 | 2025-11-28 00:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). ... - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). ... - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | SC | Primary Residence | Purchase | NA | 6414755 | N/A | N/A |
| XXXX | XXXX |  | 304893096 | Closed | 2025-11-28 00:22 | 2025-11-28 00:24 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-The loan's (X.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XX%) in the APR calculation. ... - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%). ... - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | SC | Primary Residence | Purchase | NA | 6414756 | N/A | N/A |
| XXXX | XXXX |  | 304893064 | Closed | 2025-11-27 21:43 | 2026-01-30 06:16 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Resolved - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Final CD broker fee paid by Lender, Provide Anti steering missing in loan file - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX XXXX-XXXXXXXX XXXXX.pdf |  |  | IL | Primary Residence | Purchase | NA | 6414161 | N/A | N/A |
| XXXX | XXXX |  | 304893064 | Closed | 2025-11-27 03:30 | 2025-11-27 21:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX<br> An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX<br> An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | IL | Primary Residence | Purchase | NA | 6413084 | N/A | N/A |
| XXXX | XXXX |  | 305040458 | Closed | 2025-12-06 18:54 | 2025-12-11 09:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Lender provided home loan toolkit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Home loan toolkit is missing from file and required for primary transaction. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Lender provided home loan toolkit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXXX XXXXX XXXXXXX.XXX |  |  | AL | Primary Residence | Purchase | NA | 6519057 | N/A | N/A |
| XXXX | XXXX |  | 305040458 | Closed | 2025-12-02 08:13 | 2025-12-11 04:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA Provided with in XX days. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Borrower X Xrd Party VOE which is missing in file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-CPA Provided with in XX days. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXX.XXX |  |  | AL | Primary Residence | Purchase | NA | 6445164 | N/A | N/A |
| XXXX | XXXX |  | 305040458 | Closed | 2025-12-02 07:44 | 2025-12-02 07:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XXX, XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX (XXXX, XXXX), and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX-XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XXX, XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX (XXXX, XXXX), and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX-XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | AL | Primary Residence | Purchase | NA | 6444439 | N/A | N/A |
| XXXX | XXXX |  | 305011942 | Closed | 2025-12-05 03:31 | 2025-12-11 02:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose document Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Business Purpose disclosure is not available in the file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Business Purpose document Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXX.XXX |  |  | MO | Investment | Refinance | Cash Out - Other | 6498895 | N/A | N/A |
| XXXX | XXXX |  | 304875827 | Closed | 2025-12-04 23:36 | 2025-12-12 06:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-CPA letter not dated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CPA in file - Seller-XX/XX/XXXX <br>Ready for Review-VOE not needed, business X months bank statments - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of Employement Missing in File. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-CPA in file - Seller-XX/XX/XXXX <br>Ready for Review-VOE not needed, business X months bank statments - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX - XXX XXXXXX XXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6497352 | N/A | N/A |
| XXXX | XXXX |  | 304875827 | Closed | 2025-12-05 00:21 | 2025-12-12 01:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Updated XXXX provided with citizenship status as XX citizen. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Non-XX Citizen Identification Document Missing. Please provide acceptable documentation. Provide Acceptable evidence of permanent residency Visa or Passport. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX provided with citizenship status as XX citizen. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX XXXXX XXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 6497671 | N/A | N/A |
| XXXX | XXXX |  | 304875827 | Closed | 2025-12-05 01:10 | 2025-12-05 01:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(XXX. XXX. Code XXXX(x); XX XXX XXXXX.X(x)(X)(x)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(x)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is a XXXXXXXXXX XXXXXX-XXXXXX XXXXXXXX XXXX (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable XXXX for this loan is (X.XX%).(XXX. XXX. Code XXXX(x); XX XXX XXXXX.X(x)(X)(x)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(x)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6497954 | N/A | N/A |
| XXXX | XXXX |  | 304875827 | Closed | 2025-12-05 01:10 | 2025-12-05 01:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(x)(X)(x)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(x)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(x)(X)(x)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(x)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6497953 | N/A | N/A |
| XXXX | XXXX |  | 304875882 | Closed | 2025-12-08 01:17 | 2025-12-18 06:43 | Resolved | 1 - Information A | Credit | Income/Employment | Income/Employment General | Resolved-Updated Self-Employment Business Narrative uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Updated Self-Employment Business Narrative uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see revised business narrative. - XXXXXX-XX/XX/XXXX <br>Open-As per "XXX XXXXXXXXXX" company agreement page #XXX borrower is verified to have XX% of ownership whereas the Self-Employment Business Narrative on page #XXX reflects as XX% ownership. Provide clarification or updated Business Narrative form. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. please see revised business narrative. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Self-Employment Business Narrative uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Updated Self-Employment Business Narrative uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| xxxxxxxx xxxxxxxxx.pdf |  |  | TX | Investment | Purchase | NA | 6522745 | N/A | N/A |
| XXXX | XXXX |  | 304875882 | Closed | 2025-12-07 23:57 | 2025-12-17 06:40 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-credit supplement states X months review but mtg open since X/XXXX and no lates showing - Housing History Meets Guideline Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Primary home is XXXXXXXXXX XXXXX XX. Mortgage linked is XXX#XXXX. IT is reporting on credit, and opened since X/XXXX. MOrtgage statement confirms with the maturity date of X/XXXX for a XXX month mortgage. This mortgage has been open since XXXX. - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Primary Housing history is verified only for X Months. XX months required - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Primary home is XXXXXXXXXX XXXXX XX. Mortgage linked is XXX#XXXX. IT is reporting on credit, and opened since X/XXXX. MOrtgage statement confirms with the maturity date of X/XXXX for a XXX month mortgage. This mortgage has been open since XXXX. - XXXXXX-XX/XX/XXXX<br>| Resolved-credit supplement states X months review but mtg open since X/XXXX and no lates showing - Housing History Meets Guideline Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Purchase | NA | 6522368 | N/A | N/A |
| XXXX | XXXX |  | 304893100 | Closed | 2025-12-10 01:49 | 2025-12-13 08:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(x)(X)(x)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(x)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX-XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(x)(X)(x)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(x)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX-XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | WI | Primary Residence | Purchase | NA | 6561088 | N/A | N/A |
| XXXX | XXXX |  | 304893100 | Closed | 2025-12-09 23:30 | 2025-12-13 07:53 | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO is XXX but XXXX shows XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO is XXX but XXXX shows XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | WI | Primary Residence | Purchase | NA | 6560479 | N/A | N/A |
| XXXX | XXXX |  | 304904539 | Closed | 2025-12-12 04:20 | 2025-12-19 12:12 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: Fees | Resolved-Resolved. Undiscounted Rate provided. Updated XXXXXX not a X/X loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX XX/XX: Please see the attached Par Rate, The price of the undiscounted rate is $X.XX, there is no charge for undiscounted (also known as XXX) rate. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan fees ($X,XXX.XX) exceed the (XXXX) High Cost fee limit, which is ($X,XXX.XX), the difference is ($XXX.XX). Pricing Sheet and/or Discount Point Disclosure required. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved. Undiscounted Rate provided. Updated XXXXXX not a X/X loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX_X.pdf |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6598087 | N/A | N/A |
| XXXX | XXXX |  | 304904539 | Closed | 2025-12-12 04:20 | 2025-12-19 12:11 | Resolved | 1 - Information C A | Compliance | Predatory:LateFees | Illinois - Maximum Late Fee (High Cost 01/14) | Resolved-Resolved. Undiscounted Rate provided. Updated Mavent not a H/C loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-CT XX/XX: Please see the attached Par Rate, The price of the undiscounted rate is $XX.XX, there is no charge for undiscounted (also known as PAR) rate. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-The late charge for an XXXXXXXX "high risk home loan" may not exceed X% of the amount of the payment past due. (XXX XXXX XXX/XX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | Resolved-Resolved. Undiscounted Rate provided. Updated Mavent not a H/C loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6598089 | N/A | N/A |
| XXXX | XXXX |  | 304904539 | Closed | 2025-12-12 04:20 | 2025-12-19 12:11 | Resolved | 1 - Information C A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Resolved. Undiscounted Rate provided. Updated Mavent not a H/C loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-CT XX/XX: Please see the attached Par Rate, The price of the undiscounted rate is $XX.XX, there is no charge for undiscounted (also known as PAR) rate. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-You submitted a late fee amount of ($XX.XX) and a (X.X%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (XX XXX XXXXX.X(X)(X)(X)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | Resolved-Resolved. Undiscounted Rate provided. Updated Mavent not a H/C loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6598088 | N/A | N/A |
| XXXX | XXXX |  | 304904539 | Closed | 2025-12-12 04:20 | 2025-12-19 12:10 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: APR/FEES | Resolved-Resolved. Undiscounted Rate provided. Updated Mavent not a H/C loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-CT XX/XX: Please see the attached Par Rate, The price of the undiscounted rate is $XX.XX, there is no charge for undiscounted (also known as PAR) rate. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-The loan fees ($X,XXX.XX) exceed the (XXXXXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($X,XXX.XX), the difference is ($XXX.XX). (XX XXX XXXXX.XX). Pricing Sheet and/or Discount Point Disclosure required. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | Resolved-Resolved. Undiscounted Rate provided. Updated Mavent not a H/C loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6598092 | N/A | N/A |
| XXXX | XXXX |  | 304904539 | Closed | 2025-12-12 04:20 | 2025-12-19 12:10 | Resolved | 1 - Information C A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Resolved. Undiscounted Rate provided. Updated Mavent not a H/C loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-CT XX/XX: Please see the attached Par Rate, The price of the undiscounted rate is $XX.XX, there is no charge for undiscounted (also known as PAR) rate. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section XX Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section XX disclosures at least X business days prior to consummation, in violation of Reg Z. (XX XXX XXXXX.XX(X) and XXXXX.XX(X)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | Resolved-Resolved. Undiscounted Rate provided. Updated Mavent not a H/C loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6598091 | N/A | N/A |
| XXXX | XXXX |  | 304909424 | Closed | 2025-12-11 09:42 | 2025-12-19 00:52 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Requested master policy provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-HO-X Master Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-XX/XX tm: Attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-Missing HO-X Master Insurance Policy Provide master insurance policy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | Resolved-Requested master policy provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-HO-X Master Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ | XXXXXXX_X.XXX |  |  | FL | Primary Residence | Purchase | NA | 6586093 | N/A | N/A |
| XXXX | XXXX |  | 304902326 | Closed | 2025-12-11 23:46 | 2025-12-18 12:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved by Compliance Manager - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-TF XX/XX Disagree - there is no borrower harm. A COFC is not required to add lender paid fees - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($XX.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | Resolved-Resolved by Compliance Manager - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | GA | Second Home | Purchase | NA | 6596902 | N/A | N/A |
| XXXX | XXXX |  | 304902326 | Closed | 2025-12-17 08:40 | 2025-12-19 07:58 | Resolved | 1 - Information A | Compliance | Mavent | Tolerance: Disclosure | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Ready for Review-CT XX/XX: Please clarify if any further action is needed from us to resolve this citing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | _xXXXX_ | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX_xXXXX_ |  |  |  | GA | Second Home | Purchase | NA | 6661826 | N/A | N/A |
| XXXX | XXXX |  | 304993667 | Closed | 2025-12-13 11:39 | 2026-01-14 14:55 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved-Documentation provided to clear. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX X/XX Please see attached which shows there was no Doc Prep fee. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Escalated-Per N.J. Admin. Code § X:X-XX.X – Fees (X) xv. Fees not included among the above third party fees may be charged provided that prior written approval is obtained from the Department. The Department will only approve third party fees which are of benefit to the borrower and represent a cost not associated with the lender's overhead. Accordingly, the Department will not approve fees for document preparation, processing, underwriting, file updates, lender reviews, copying, funding, and miscellaneous. Please a copy of the check, PCCD, LOE, and proof of delivery. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-Per N.J. Admin. Code § X:X-XX.X – Fees (X) xv. Fees not included among the above third party fees may be charged provided that prior written approval is obtained from the Department. The Department will only approve third party fees which are of benefit to the borrower and represent a cost not associated with the lender's overhead. Accordingly, the Department will not approve fees for document preparation, processing, underwriting, file updates, lender reviews, copying, funding, and miscellaneous. Please a copy of the check, PCCD, LOE, and proof of delivery. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX XX/XX XX/XX Disagree - Doc Prep fee is not impermissible in New Jersey - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Document Preparation Fee (Fee ID: XXX) to be charged to the Borrower in NJ. Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Document Preparation Fee - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Documentation provided to clear. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX_X.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6614451 | N/A | N/A |
| XXXX | XXXX |  | 304993667 | Closed | 2025-12-16 07:07 | 2025-12-19 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Tax Cert | Resolved-Received missing property tax certification. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX: The provided tax bill indicates $XXXX.XX for the upcoming quarters. <br>$XXXX.XX (XX/XX/XXXX) + $XXXX.XX(XX/XX/XXXX) + ($XXXX.XX (XX/XX/XXXX) + XXXX.XX (XX/XX/XXXX) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Please provide an updated title that reflects the annual tax amount of $X,XXX.XX/annually or $X,XXX.XX/quarterly. The tax print out on page XXX reflects an amount of $X,XXX.XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Received missing property tax certification. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX_X.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6640173 | N/A | N/A |
| XXXX | XXXX |  | 304907146 | Closed | 2025-12-15 02:28 | 2025-12-18 08:11 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Oklahoma - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This is an Oklahoma Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the Oklahoma HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (Okla. Admin. Code XXX:XX-X-X(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX XX/XX Please see attached Appraisal which was sent to the borrower on XX/XX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This is an Oklahoma Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the Oklahoma HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (Okla. Admin. Code XXX:XX-X-X(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This is an Oklahoma Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the Oklahoma HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (Okla. Admin. Code XXX:XX-X-X(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX_X.pdf<br>XXXXXXXXX_X.pdf |  |  | OK | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6618379 | N/A | N/A |
| XXXX | XXXX |  | 304907146 | Closed | 2025-12-15 02:28 | 2025-12-18 08:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | OK | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6618378 | N/A | N/A |
| XXXX | XXXX |  | 304907146 | Closed | 2025-12-15 02:28 | 2025-12-18 08:11 | Resolved | 1 - Information A | Compliance | Predatory:DocType | Oklahoma - Documentation Warning (HPML) | Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This is an Oklahoma Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in XX CFR XXXXX.XX(a)(X) as incorporated by the Oklahoma Admin Code, should be applied to determine a lender's compliance with this requirement. (Okla. Admin. Code XXX:XX-X-X(a)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is an Oklahoma Higher-Priced Mortgage Loan. A lender must determine a borrower's repayment ability, using the borrower's current and expected income, employment, assets other than the collateral, current obligations, and mortgage-related obligations. The methodology and standards set forth in XX CFR XXXXX.XX(a)(X) as incorporated by the Oklahoma Admin Code, should be applied to determine a lender's compliance with this requirement. (Okla. Admin. Code XXX:XX-X-X(a)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'sXXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | OK | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6618381 | N/A | N/A |
| XXXX | XXXX |  | 304894306 | Closed | 2025-12-16 11:12 | 2025-12-30 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX: Please see attached. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Document is Incomplete Missing title showing vesting in both borrower and non-borrower. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Title Document is Provided And Complete - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX_X.pdf |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 6646859 | N/A | N/A |
| XXXX | XXXX |  | 304902320 | Closed | 2025-12-13 03:04 | 2026-01-09 14:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX X/X PCCD from XX/X matches the final Settlement Statement and has the lender credit of $XXX.XX. Please see attached - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXXX.XX(f)(X)(v); XX CFR XXXXX.XX(g)(X); XX CFR XXXXX.XX(h)). The PCCD dated XX/X includes a $XXX Lender Credit increase from the previous PCCD dated XX/X. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX XX/XX Please see the attached final Settlement Statement which shows the borrower received the lender credit at closing in the amount of $XXX.XX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXXX.XX(f)(X)(v); XX CFR XXXXX.XX(g)(X); XX CFR XXXXX.XX(h)). The PCCD dated XX/X includes a $XXX Lender Credit increase from the previous PCCD dated XX/X - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX_X.pdf<br>XXXXXXXXX_X.pdf |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6613401 | N/A | N/A |
| XXXX | XXXX |  | 304902320 | Closed | 2025-12-13 01:09 | 2025-12-18 02:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE that is within the XX business days from closing provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX tm: Attached confirms active, good standing as of XX/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VOE prior to close missing from file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested Xrd party VOE that is within the XX business days from closing provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6613283 | N/A | N/A |
| XXXX | XXXX |  | 304902320 | Closed | 2025-12-13 03:00 | 2026-01-09 14:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Non-QM. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)(X)) Resolved. Reopened with XXXXXX run. XXXX checks included appraisal delivery, escrow, etc have been passed. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Non-QM. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)(X)) Resolved. Reopened with XXXXXX run. XXXX checks included appraisal delivery, escrow, etc have been passed. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6613398 | N/A | N/A |
| XXXX | XXXX |  | 304871445 | Closed | 2025-12-15 01:39 | 2026-01-16 10:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, , and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>|  |  |  | IL | Primary Residence | Purchase | NA | 6618252 | N/A | N/A |
| XXXX | XXXX |  | 304904383 | Closed | 2025-12-16 02:19 | 2026-02-20 13:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Worksheet / Income Calculator is Missing in the File - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX XXXXXXXXX.XXX |  |  | IL | Primary Residence | Purchase | NA | 6637701 | N/A | N/A |
| XXXX | XXXX |  | 304904383 | Closed | 2025-12-16 01:59 | 2025-12-23 08:46 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Estimated Taxes, Insurance, & Assessments "In escrow? is incomplete or inaccurate " | Resolved-Final CD provided with matching tax information, finding resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX Final CD Section H taxes match Tax Info Sheet.XXX - XXXXX-XX/XX/XXXX <br>Open-Provided tax documents taxes are not matching with final CD - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Final CD provided with matching tax information, finding resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX Final CD Section H taxes match Tax Info Sheet.XXX |  |  | IL | Primary Residence | Purchase | NA | 6637656 | N/A | N/A |
| XXXX | XXXX |  | 304904383 | Closed | 2025-12-16 02:43 | 2025-12-23 01:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX Credit Monitoring reports.XXX - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing in the file - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX Credit Monitoring reports.XXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Gap Credit Report provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX Credit Monitoring reports.XXX |  |  | IL | Primary Residence | Purchase | NA | 6637796 | N/A | N/A |
| XXXX | XXXX |  | 304904383 | Closed | 2025-12-16 02:43 | 2025-12-23 01:14 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-XXXX Mis match from XXXX to Credit report, provided updated XXXX, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached - XXXXX-XX/XX/XXXX <br>Open-Qualifying XXXX on the XXXX Page is 'XXX' or blank, but the Qualifying XXXX from the Credit Liabilities Page is 'XXX' or blank. Qualifying XXXX entries do not match. Please confirm the correct Qualifying XXXX value. Qualifying XXXX on the XXXX Page is 'XXX' & On Qualifying XXXX from the Credit Liabilities Page is 'XXX' which is not matching - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-XXXX Mis match from XXXX to Credit report, provided updated XXXX, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX - XXXXXXXXXXX XXXXXXXXX.XXX |  |  | IL | Primary Residence | Purchase | NA | 6637798 | N/A | N/A |
| XXXX | XXXX |  | 304896350 | Closed | 2025-12-17 05:00 | 2025-12-23 01:58 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The XXXX document is missing in file, as loan qualified with business bank statements we need XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | OR | Investment | Purchase | NA | 6658422 | N/A | N/A |
| XXXX | XXXX |  | 304897009 | Closed | 2025-12-16 22:37 | 2025-12-24 08:16 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested rent free LOX is already present in file on page #XXX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX CW: Guidelines do not require this LOX to be from the owner of the house, borrower LOX is acceptable - Due Diligence Vendor-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provided LOX is not from the owner of the house. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested rent free LOX is already present in file on page #XXX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | IL | Primary Residence | Purchase | NA | 6656281 | N/A | N/A |
| XXXX | XXXX |  | 304911402 | Closed | 2025-12-17 21:23 | 2025-12-23 08:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see Pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see Pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see Pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see Pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | AL | Primary Residence | Purchase | NA | 6677051 | N/A | N/A |
| XXXX | XXXX |  | 304897428 | Closed | 2025-12-18 03:46 | 2026-01-07 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-X Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Executed XXXX-X provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/X MM: Please see attached document - Due Diligence Vendor-XX/XX/XXXX <br>Counter-As per guidelines page XX/XX, a XXXX-X is required for additional wage earner income. The borrower qualified with wage earner income. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX MM: Since this is a Bank Statement XX Year Fixed - XXXX loan and the borrowers are using funds. A XXXX document is not required on bank statement loans - Due Diligence Vendor-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-As per guidelines page XX/XX, a XXXX-X is required for additional wage earner income. The borrower qualified with wage earner income. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX MM: Since this is a Bank Statement XX Year Fixed - XXXX loan and the borrowers are using funds. A XXXX document is not required on bank statement loans - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing XXXX-X is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower X Executed XXXX-X Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Executed XXXX-X provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | NV | Primary Residence | Purchase | NA | 6679228 | N/A | N/A |
| XXXX | XXXX |  | 304897428 | Closed | 2025-12-18 14:25 | 2026-01-07 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-X Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Executed XXXX-X provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/X MM: Please see attached document - Due Diligence Vendor-XX/XX/XXXX <br>Counter-As per guidelines page XX/XX, a XXXX-X is required for additional wage earner income. The borrower qualified with wage earner income., As per guidelines page XX/XX, a XXXX-X is required for additional wage earner income. The borrower qualified with wage earner income. ,XXXX-X is missing in file., Borrower X Executed XXXX-X Missing - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-As per guidelines page XX/XX, a XXXX-X is required for additional wage earner income. The borrower qualified with wage earner income.,As per guidelines page XX/XX, a XXXX-X is required for additional wage earner income. The borrower qualified with wage earner income. ,XXXX-X is missing in file.,Borrower X Executed XXXX-X Missing - Due Diligence Vendor-XX/XX/XXXX <br>Counter-As per guidelines page XX/XX, a XXXX-X is required for additional wage earner income. The borrower qualified with wage earner income. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-As per guidelines page XX/XX, a XXXX-X is required for additional wage earner income. The borrower qualified with wage earner income. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX MM: Since this is a Bank Statement XX Year Fixed - XXXX loan and the borrowers are using funds. A XXXX document is not required on bank statement loans - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower X Executed XXXX-X Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Executed XXXX-X provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | NV | Primary Residence | Purchase | NA | 6692879 | N/A | N/A |
| XXXX | XXXX |  | 305013355 | Closed | 2025-12-20 08:26 | 2025-12-22 11:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see Pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg XXX. An interior and exterior appraisal was completed for this property – see Pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg XXX, and confirmation the appraisal was delivered to the borrower – see Pg XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CO | Primary Residence | Purchase | NA | 6722878 | N/A | N/A |
| XXXX | XXXX |  | 305025052 | Closed | 2025-12-23 13:18 | 2026-01-12 13:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Investor elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Not cleared - The file is short reserves. Requesting a formal exception on letterhead signed by a manager with compensation factors and the date of approval. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX: XXXX Acknowledges that the borrower is short reserves by $XXX. However, we believe the file still meets investment quality based on the following compensating factors: X.) DTI = XX.XX% X.) LTV = XX.XX% X.) No Mortgage lates or derogatory credit events such as bankruptcies or foreclosure's reporting on credit. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Hello XXXX/Team,<br>We are okay downgrading the reserves condition based on the Waived-Investor elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX<br>XXXXXXX_X.pdf<br>XXXXXXX_X.pdf LTV of XX.XX%; XX% maximum<br> DTI of XX.XX%; maximum XX%<br> Residual income of $X,XXX.XX; $X,XXX minimum<br> IL Primary Residence Purchase NA 6769706 Investor Post-Close No |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX |  | 305025052 | Closed | 2025-12-22 02:27 | 2025-12-26 00:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Pg#X of the Final Closing Disclosure refers to the escrow waiver. Per XXX-XXXX-X the requirement for a separate escrow waiver disclosure has been removed from the Selling Guide because a similar disclosure is now part of the Closing Disclosure, Verified - Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-CT XX/XX: Disagree, pg.X of the Final Closing Disclosure refers to the escrow waiver. Per XXX-XXXX-X the requirement for a separate escrow waiver disclosure has been removed from the Selling Guide because a similar disclosure is now part of the Closing Disclosure. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-Escrow Waiver is Missing in file. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Pg#X of the Final Closing Disclosure refers to the escrow waiver. Per XXX-XXXX-X the requirement for a separate escrow waiver disclosure has been removed from the Selling Guide because a similar disclosure is now part of the Closing Disclosure, Verified - Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | IL | Primary Residence | Purchase | NA | 6729338 | N/A | N/A |
| XXXX | XXXX |  | 305027042 | Closed | 2025-12-21 22:07 | 2026-01-08 12:33 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-X/X RF please see attached - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount is lower than Loan amount. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  |  | XXXXXXX_X.pdf |  | Proposed amount is equal to the loan amount. | PA | Primary Residence | Purchase | NA | 6728202 | N/A | N/A |
| XXXX | XXXX |  | 305027042 | Closed | 2025-12-21 23:56 | 2026-01-08 12:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Non-QM. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – page XXX. An interior and exterior appraisal was completed for this property – page XX, the appraisal disclosure was provided to the borrower(s)- page XX, and copy of the appraisal was given to the borrower – page XX for the copy of the disclosure. The loan meets HPML guidelines. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Non-QM. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly – page XXX. An interior and exterior appraisal was completed for this property – page XX, the appraisal disclosure was provided to the borrower(s)- page XX, and copy of the appraisal was given to the borrower – page XX for the copy of the disclosure. The loan meets HPML guidelines. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | PA | Primary Residence | Purchase | NA | 6728721 | N/A | N/A |
| XXXX | XXXX |  | 305027340 | Closed | 2025-12-29 03:31 | 2026-01-20 11:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received change of circumstance. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-LL X/XX Please see the attached Change in Circumstance (CofC), Letter of Explanation, Underwriting Condition, and Redisclosure. On XX/XX there was an CofC submitted to Flip the comp plan from lender to borrower paid. Borrower requested change; By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. The UW updated the reserves on XX/XX making the loan ineligibly due to not having enough funds to close. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Escalated-Missing cure/change of circumstance for the added broker fee added on the initial closing disclosure. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Counter-Missing cure/change of circumstance for the added broker fee added on the initial closing disclosure. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-CT XX/XX: Please clarify which fee the cited variance applies to so we can better assist - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Received change of circumstance. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf<br>XXXXXXX_X.pdf<br>XXXXXXX_X.pdf<br>XXXXXXX_X.pdf |  |  | FL | Primary Residence | Purchase | NA | 6827073 | N/A | N/A |
| XXXX | XXXX |  | 305027340 | Closed | 2025-12-21 23:59 | 2025-12-29 03:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested initial CD provided, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-LL XX/XX Please see attached Initial closing disclosure signed by the borrower on XX/XX and TRID worksheet that shows proof of delivery. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD missing from the file with any applicable change of circumstance. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Requested initial CD provided, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf<br>XXXXXXX_X.pdf |  |  | FL | Primary Residence | Purchase | NA | 6728740 | N/A | N/A |
| XXXX | XXXX |  | 305027340 | Closed | 2025-12-29 03:31 | 2026-01-20 11:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-CT XX/XX: Please see the attached // - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf<br>XXXXXXX_X.pdf |  |  | FL | Primary Residence | Purchase | NA | 6827072 | N/A | N/A |
| XXXX | XXXX |  | 304993661 | Closed | 2025-12-24 02:17 | 2026-01-02 03:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested initial CD provided, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-CT XX/XX: Please see the attached // - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing Initial CD - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Requested initial CD provided, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf<br>XXXXXXX_X.pdf |  |  | MI | Primary Residence | Purchase | NA | 6783886 | N/A | N/A |
| XXXX | XXXX |  | 304993661 | Closed | 2025-12-22 03:39 | 2025-12-29 08:55 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received intent to proceed, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT XX/XX: Please see the attached // - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to proceed doc.<br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received intent to proceed, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | MI | Primary Residence | Purchase | NA | 6729740 | N/A | N/A |
| XXXX | XXXX |  | 305027039 | Closed | 2025-12-23 11:34 | 2026-02-20 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX: Please see the attached operating agreement confirming the borrower owns XXX% of XXXXXX XXXXX XXXX XXX XXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Unable to verify the percentage of ownership via reliable third party. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6766397 | N/A | N/A |
| XXXX | XXXX |  | 305027039 | Closed | 2025-12-21 23:42 | 2025-12-30 01:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Requested Final title policy with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX: Please see attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Document is Incomplete Title document is missing coverage amount, please provide an updated title document with coverage amount. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested Final title policy with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6728645 | N/A | N/A |
| XXXX | XXXX |  | 305027039 | Closed | 2025-12-22 01:01 | 2025-12-23 12:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.X(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.X, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX, and the Final Closing disclosure on page XXX, Finding reflects escrows. Rate lock date was entered correctly – page XXX. An interior and exterior appraisal was completed for this property – page XX-XX, the appraisal disclosure was provided to the borrower(s)- page XXX, and confirmation the appraisal was delivered to the borrower – page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.X(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.X, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX, and the Final Closing disclosure on page XXX, Finding reflects escrows. Rate lock date was entered correctly – page XXX. An interior and exterior appraisal was completed for this property – page XX-XX, the appraisal disclosure was provided to the borrower(s)- page XXX, and confirmation the appraisal was delivered to the borrower – page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6729034 | N/A | N/A |
| XXXX | XXXX |  | 305024858 | Closed | 2025-12-28 21:08 | 2026-01-14 10:11 | Resolved | 1 - Information C A | Credit | Credit | Borrower is an entity with no guarantors signing | Resolved-Lender provided fully executed guaranty. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Personal Guaranty agreement is unexecuted provided signed Guaranty agreement - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Lender provided fully executed guaranty. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX.pdf |  |  | IL | Investment | Purchase | NA | 6825589 | N/A | N/A |
| XXXX | XXXX |  | 305024858 | Closed | 2025-12-24 01:11 | 2026-01-14 10:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided fully executed Final CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXXX: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-XXXX: Missing Final Closing Disclosure Borrower signature is missing in provided final CD - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided fully executed Final CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXXX: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXX_XX.pdf |  |  | IL | Investment | Purchase | NA | 6783626 | N/A | N/A |
| XXXX | XXXX |  | 305024858 | Closed | 2025-12-22 23:09 | 2026-01-14 09:56 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Deed of Trust is Not Executed Deed of Trust is Not Executed BY THE BORROWER - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXX_XXX.pdf |  |  | IL | Investment | Purchase | NA | 6754837 | N/A | N/A |
| XXXX | XXXX |  | 305024858 | Closed | 2025-12-22 23:01 | 2026-01-14 09:53 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Note is Not Executed by the borrower - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXX_XXXX.pdf |  |  | IL | Investment | Purchase | NA | 6754798 | N/A | N/A |
| XXXX | XXXX |  | 305024858 | Closed | 2025-12-28 21:09 | 2026-01-14 09:49 | Resolved | 1 - Information D A | Credit | Credit | Payment Letter is missing | Resolved-Lender provided fully executed payment letter. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-First payment letter is unexecuted provide signed payment letter - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Lender provided fully executed payment letter. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXX XXX.pdf |  |  | IL | Investment | Purchase | NA | 6825591 | N/A | N/A |
| XXXX | XXXX |  | 305024858 | Closed | 2025-12-22 23:21 | 2026-01-14 09:48 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated title commitment. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX and loan amount is $XXX,XXX require Updated Title - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated title commitment. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX-XXXXX.pdf |  |  | IL | Investment | Purchase | NA | 6754880 | N/A | N/A |
| XXXX | XXXX |  | 305024858 | Closed | 2025-12-22 22:28 | 2026-01-14 00:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Business Purpose document is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VXX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VXX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Business Purpose Affidavit Disclosure is missing in the file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Final Business Purpose document is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXX_XXXXXXXX XXXX.pdf |  |  | IL | Investment | Purchase | NA | 6754640 | N/A | N/A |
| XXXX | XXXX |  | 305026125 | Closed | 2025-12-23 22:34 | 2026-01-09 14:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-LI X/X Disagree: The initial LE that was issued on XX/XX was floating so the Discount Points can change per TILA XXXX.XX(e)(X)(iv)(X). On XX/X the loan locked with discounts points of $XXXX.XX and disclosed a CD to the borrower. Please see attached redisclosed CD, Lock Confirmation, and Final CD.<br>The Appraisal fee was paid by the broker and the borrower was not charged for the Appraisal. Please see attached Final CD showing the fee was paid by the broker - Due Diligence Vendor-XX/XX/XXXX <br>Counter-A change of circumstance for the discount point fee increase is missing. Please provide a COC. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT XX/XX: The lender paid the cited overages so there was no borrower harm necessitating a refund, and no COCs to provide. Please state what is needed to clear this finding - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Please provide a Change in Circumstance for the increased appraisal fee in the initial CD IAO $XX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXXXXX_X.pdf<br>XXXXXXX_X.pdf<br>XXXXXXX_X.pdf |  |  | NJ | Primary Residence | Purchase | NA | 6779820 | N/A | N/A |
| XXXX | XXXX |  | 305026125 | Closed | 2025-12-23 22:34 | 2026-01-05 10:53 | Resolved | 1 - Information A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Data entry updated, finding cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-An error ran with Mavent because finance charge is $XXX,XXX.XX on all CD's. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT XX/XX: Please clarify which Closing Disclosures are being cited so we can compare and review to better assist - Due Diligence Vendor-XX/XX/XXXX <br>Open-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Data entry updated, finding cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-An error ran with Mavent because finance charge is $XXX,XXX.XX on all CD's. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 6779816 | N/A | N/A |
| XXXX | XXXX |  | 305026125 | Closed | 2025-12-23 21:37 | 2025-12-31 09:21 | Resolved | 1 - Information C A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX CW: Appraiser completed a final inspection as of XX/X/XX which extends the effective date of the appraisal and the SSRs to XXX days - Due Diligence Vendor-XX/XX/XXXX <br>Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) The UCDP-SSR report provided is dated X/X/XXXX, which is more than XXX-days greater than the Note dated XX/XX/XXXX. Please provide a recent valuation. - Due Diligence Vendor-XX/XX/XXXX |  |  |  |  |  | NJ | Primary Residence | Purchase | NA | 6779469 | N/A | N/A |
| XXXX | XXXX |  | 305026125 | Closed | 2025-12-23 22:34 | 2026-01-09 14:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Non-QM - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) Meets XXXX guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.X, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower will have an escrow account, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on Pg XXX, finding reflects escrow. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see page XX - XX, the appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Non-QM - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) Meets XXXX guidelines - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.X, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower will have an escrow account, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on Pg XXX, finding reflects escrow. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see page XX - XX, the appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 6779817 | N/A | N/A |
| XXXX | XXXX |  | 305013577 | Closed | 2025-12-25 02:29 | 2026-01-12 22:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-The EAD is unexpired. Guidelines for additional documentation are for expired visa types. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX tm: Guidelines state "If the Borrower is a Non-Permanent Resident Alien, the file must contain evidence of lawful residency." The EAD card is unexpired and should be considered acceptable as a standalone document. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-Not cleared - The borrower is a Non-Permanent Resident Alien. As per guidelines, page X/XX, "In lieu of a Visa, an Unexpired Employment Authorization Document (EAD), or I-XX or I-XXX; and a letter from the employer or a verification of employment reflecting continuance is likely are required". The CPA letters in file do not reflect continuance of business information. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX tm: The borrower's EAD card was provided with the initial upload. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower is Non-permanent resident alien US Identification document is missing in file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The EAD is unexpired. Guidelines for additional documentation are for expired visa types. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | VA | Primary Residence | Purchase | NA | 6802639 | N/A | N/A |
| XXXX | XXXX |  | 305026209 | Closed | 2025-12-26 00:38 | 2026-01-05 13:45 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Documents received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX: Please see the attached lease agreement and copies of cancelled checks. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements The XXXX shows that the borrower has been residing in a rental for X-months. Please provide a VOR. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Documents received. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf<br>XXXXXXX_X.pdf<br>XXXXXXX_X.pdf<br>XXXXXXX_X.pdf |  |  | FL | Primary Residence | Purchase | NA | 6806743 | N/A | N/A |
| XXXX | XXXX |  | 305026209 | Closed | 2025-12-26 00:38 | 2026-01-02 08:01 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validated credit score - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX: Please see the corrected XXXX reflecting the borrower's correct qualifying FICO of XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The XXXX shows that the UW utilized a credit score of XXX, which would disqualify the borrower from the program; however, the credit report shows a mid-score of XXX, which qualifies the borrower for the program. Please confirm the correct Qualifying FICO score that was utilized. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Validated credit score - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | FL | Primary Residence | Purchase | NA | 6806746 | N/A | N/A |
| XXXX | XXXX |  | 305024782 | Closed | 2025-12-26 11:04 | 2025-12-30 13:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX. Rate lock date was entered correctly – see Pg#'s XXX-XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX. Rate lock date was entered correctly – see Pg#'s XXX-XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6816578 | N/A | N/A |
| XXXX | XXXX |  | 305026444 | Closed | 2025-12-26 11:01 | 2026-01-05 13:48 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X-X XX- see attached - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-The title attached is for a different loan. Please provide the correct updated title for the full loan amount. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX-XX- see attached - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount. Please provide an updated Title document. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  |  | XXXXXXX_X.pdf<br>XXXXXXX_X.pdf |  |  | MI | Primary Residence | Purchase | NA | 6816516 | N/A | N/A |
| XXXX | XXXX |  | 305026444 | Closed | 2025-12-26 12:46 | 2026-01-07 14:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Non-QM. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX X/XX Our contract states XXX will buy XXXX loans as long as all requirements were met. Please see the attached Appraisal packages and XXXX disclosure history. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Non-QM. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.X, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is escrowing, and loan information is on page XXX and the Final Closing disclosure on page XXX, Finding reflects escrow. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Non-QM. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Non-QM. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXX.X(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.X, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is escrowing, and loan information is on page XXX and the Final Closing disclosure on page XXX, Finding reflects escrow. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf<br>XXXXXXX_X.pdf<br>XXXXXXX_X.pdf |  |  | MI | Primary Residence | Purchase | NA | 6818704 | N/A | N/A |
| XXXX | XXXX |  | 305013676 | Closed | 2025-12-29 02:10 | 2026-01-05 14:05 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Non-QM. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validated date. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX XX Please see the attached final Settlement Statement showing that the disbursement date was after the rescission period expired. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under XXXXXXXXXX X, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXX X, XX XXX XXXXXXX.XX(x) and Official Staff Commentary) XXXXXX validation failed because the loan disbursement date (XX/XX/XXXX) is on or before the Right to Cancel expiration date (XX/XX/XXXX), which does not meet compliance requirements. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Non-QM. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validated date. Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.Xxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6826642 | N/A | N/A |
| XXXX | XXXX |  | 305013676 | Closed | 2025-12-29 01:16 | 2026-01-05 13:55 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Document verified. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX: Please see the attached lease agreement and documents confirming rental payments from XXX XXXX-XXX XXXX. Though the lease has an expiration date of XX/XX/XX, there is a provision listed in section XB statin that a month - to - month tenancy can be created. The borrower's housing history has been adequately documented. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-The XXX is missing from the file. Please provide as the borrower was residing in a rental. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XXXX - XX: Per the agreed upon guidelines, the borrower must provide an XXX if they do not own their current primary and are currently living in a rent-free situation. Please see attached. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements There is no open mortgage on the property; a Letter of Explanation is required for Free & Clear status. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Document verified. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.Xxx<br>XXXXXXX_X.Xxx<br>XXXXXXX_X.Xxx<br>XXXXXXX_X.Xxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6826489 | N/A | N/A |
| XXXX | XXXX |  | 305013676 | Closed | 2025-12-29 02:07 | 2026-01-02 03:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow waiver document not required as per guidelines hence condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX Disagree: Please see pg.X on the attached Final Closing Disclosure for the escrow waiver per XXX-XXXX-X The requirement for a separate escrow waiver disclosure has been removed from the Selling Guide because a similar disclosure is now part of the Closing Disclosure. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Escrow Waiver missing in file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Escrow waiver document not required as per guidelines hence condition resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6826630 | N/A | N/A |
| XXXX | XXXX |  | 304874821 | Closed | 2025-12-30 00:33 | 2026-01-06 14:55 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX X/X: Please see attached Rate Lock sheets and corresponding disclosure. On XX-XX the lock was extended, affecting the LLPA, negative pricing disclosed on the XX-XX CD - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXXX.XX(x)(x) and comments XX(x)(x)-X and - X; XX XXX XXXXXXX.XX(x)(x); XX XXX XXXXXXX.XX(x); XX XXX XXXXXXX.XX(x)). Lender Credits in Initial LE is $XXX, which is decreased to $XX in final CD. Please provide a XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  |  | XXXXXXX_X.Xxx<br>XXXXXXX_X.Xxx<br>XXXXXXX_X.Xxx |  |  | MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6846975 | N/A | N/A |
| XXXX | XXXX |  | 305024004 | Closed | 2025-12-30 21:48 | 2026-01-20 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-New construction. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX XX: When underwriting a purchase loan in XXXXXXXXXX, the underwriter will default to calculating the property taxes at X.XX% of the purchase price unless tax documentation is provided by the broker.<br>The underwriter will enter the X.XX% estimate by selecting 'Enter Millage Rate' and inputting XX.XX in the 'Millage Rate' box in the Taxes tab of the Property screen.<br>Since no tax documentation was provided XXXXX will always default to the XX.X% calculation. There is no documentation to provide. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-Property Tax screen is not in the file. Please provide the property tax printout/statement. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX XX: When underwriting a purchase loan in XXXXXXXXXX, the underwriter will default to calculating the property taxes at X.XX% of the purchase price unless tax documentation is provided by the broker. The underwriter will enter the X.XX% estimate by selecting 'Enter Millage Rate' and inputting XX.XX in the 'Millage Rate' box in the Taxes tab of the Property screen. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Please provide the tax certificate. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-New construction. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6865161 | N/A | N/A |
| XXXX | XXXX |  | 305024004 | Closed | 2025-12-30 23:46 | 2026-01-08 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-HOA Questionnaire is Present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX XX: XXXX is a review method available to lenders to submit new, newly converted, and established projects to XXXXX XXX to determine eligibility. Please see attached document that shows this condo is approved by XXXXX XXX no condo questionnaire is required. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-HOA Questionnaire is Missing or Partial. Please provide the Condo Questionnaire. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-HOA Questionnaire is Present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.Xxx |  |  | CA | Primary Residence | Purchase | NA | 6865868 | N/A | N/A |
| XXXX | XXXX |  | 305023786 | Closed | 2025-12-31 00:43 | 2026-01-07 04:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow waiver not required. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX X/X Disagree: Please see pg.X on the attached Final Closing Disclosure for the escrow waiver per XXX-XXXX-X The requirement for a separate escrow waiver disclosure has been removed from the Selling Guide because a similar disclosure is now part of the Closing Disclosure. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Escrow Waiver missing in file. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Escrow waiver not required. Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6866204 | N/A | N/A |
| XXXX | XXXX |  | 305030514 | Closed | 2026-01-05 01:06 | 2026-01-05 09:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(X)(X)(X)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. XXX and the Final Closing disclosure on Pg. XXX reflects escrows. Rate lock date was entered correctly – see Pg. XXX An interior and exterior appraisal was completed for this property – see Pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg. XXX, XXX, XXX, XXX and copy of the appraisal was given to the borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(X)(X)(X)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. XXX and the Final Closing disclosure on Pg. XXX reflects escrows. Rate lock date was entered correctly – see Pg. XXX An interior and exterior appraisal was completed for this property – see Pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg. XXX, XXX, XXX, XXX and copy of the appraisal was given to the borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | MI | Primary Residence | Purchase | NA | 6909442 | N/A | N/A |
| XXXX | XXXX |  | 304822750 | Closed | 2026-01-05 03:31 | 2026-01-09 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/X tm: The XXXX matches the approval letter. The XXXX and XXXX are correct. There is not a discrepancy. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. All other monthly payments amount discrepancy creating the DTI to not match. The final XXXX Document shows liabilities as a total IAO $XX,XXX.XX and the XXXX shows a total IAO $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXXXXXXXX_X.pdf<br>XXXXXXXXXX_X.pdf |  |  | CA | Primary Residence | Purchase | NA | 6910009 | N/A | N/A |
| XXXX | XXXX |  | 304822750 | Closed | 2026-01-05 04:38 | 2026-01-07 04:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow waiver not required. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/X: Disagree, pg.X of the Final Closing Disclosure refers to the escrow waiver. Per XXX-XXXX-X the requirement for a separate escrow waiver disclosure has been removed from the Selling Guide because a similar disclosure is now part of the Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Escrow waiver missing in the file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Escrow waiver not required. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6910483 | N/A | N/A |
| XXXX | XXXX |  | 305024841 | Closed | 2026-01-05 22:36 | 2026-01-12 20:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property is new construction, calculating the property taxes at X.X% of the purchase price. Tax Matching with XXXX & FPL. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX AD: When underwriting a new construction or recently constructed property that is a primary residence in Texas, XXX defaults to calculating the property taxes at X.X% of the purchase price or appraised value, depending on the transaction type. Using X.X% allows XXX to closely estimate the taxes while accounting for the homestead exemption. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Property Tax Cert is missing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Property is new construction, calculating the property taxes at X.X% of the purchase price. Tax Matching with XXXX & FPL. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6927707 | N/A | N/A |
| XXXX | XXXX |  | 305024841 | Closed | 2026-01-06 00:25 | 2026-01-08 13:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Received and updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-LI X/X Please see attached Initial CD that was sent to the borrower on XX/X and signed on XX/X. This meets the X day cooling before closing on XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received and updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX_X.pdf |  |  | TX | Primary Residence | Purchase | NA | 6928585 | N/A | N/A |
| XXXX | XXXX |  | 305024937 | Closed | 2026-01-06 21:32 | 2026-01-12 20:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-XXXXXX XXX Approved HOA Questionnaire provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/XX AMB: Please note that the subject is an attached condo where the condo project is an approved project, therefore, full project review and condo questionnaire is not required. - Due Diligence Vendor-XX/XX/XXXX <br>Open-HOA Questionnaire is Missing or Partial. HOA Questionnaire is Missing in file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-XXXXXX XXX Approved HOA Questionnaire provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX_X.pdf |  |  | FL | Primary Residence | Purchase | NA | 6950616 | N/A | N/A |
| XXXX | XXXX |  | 304893723 | Closed | 2026-01-06 21:38 | 2026-01-16 08:03 | Resolved | 1 - Information C A | Property | Value | All Valuation Products Have Variations to Primary that Exceeds -10% | Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Appraisal review product provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per underwriting, the lesser of the two appraisals is being used to determine market rent, applying a XX% factor due to two vacant units. The original appraisal reflected one vacant unit, while the updated appraisal reflects two vacant units. XX.X.X APPRAISAL REVIEW TOLERANCE<br> A XX% tolerance is permitted for all secondary review products. If the review product does not provide a<br> value, an additional review product of a higher-level must be ordered.<br> If the review product value is more than XX% below the appraised value, the lower of the two values must<br> be used. If the tolerance is exceeded, the Broker or XXXXXXXXXX may choose to order an additional review<br> product of a higher-level review. The original appraised value may then be used if the additional review<br> product value is within XX% of the appraised value. If the review product value is higher than the original<br> appraised value, the original appraisal value should be used.<br> If two appraisals are required, the lower of the two values or the purchase price must be used. - Buyer-XX/XX/XXXX <br>Open-All Valuation entries (not including Collateral Underwriter (CU) entries) have a Variance to Primary value that exceeds - XX%. Provided review product is exceeding more than XX% variance of primary property value - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Appraisal review product provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XX - XXXXXX XXXXXX Delivery Status.pdf<br>XXXXXXXXXX XX - XXXXXX XXXXXX Delivery Status (Sent).pdf<br>XXXXXXXXXX X-X Units XX XX - XXXXXX XXXXXX Delivery Status.pdf<br>Appraisal Transfer Letter - XXX-XXXXX (X).pdf<br>XXXXXXXXXX XX Appraisal.pdf<br>XXXXXXXXXX XX Appraisal.pdf<br>XXXXXXXXXX X-X Units XX XX - XXXXXX XXXXXX Delivery Status (Sent).pdf<br>XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf<br>screenshot.pdf<br>New Appraisal $XXXK.pdf<br>XXXXXXXXXX X-X Units XX XX Appraisal.pdf |  |  | IL | Investment | Purchase | NA | 6950631 | N/A | N/A |
| XXXX | XXXX |  | 305029239 | Closed | 2026-01-07 02:45 | 2026-01-12 22:30 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/XX MM: Please see attached documents - Due Diligence Vendor-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X All appraisals must be submitted to Fannie Mae's Collateral Underwriter (SSR) per guidelines, Provide Fannie Mae SSR missing in loan file. Secondary Valuation must meet G/L. - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXXXXX_X.XXX<br>XXXXXXX_X.XXX |  |  | FL | Primary Residence | Purchase | NA | 6952922 | N/A | N/A |
| XXXX | XXXX |  | 304897420 | Closed | 2026-01-07 08:33 | 2026-01-14 14:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title amount with the provided document. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/XX RF please see attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount of $XXX,XXX is less than loan amount of $XXX,XXX, we need updated title report. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated title amount with the provided document. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6959905 | N/A | N/A |
| XXXX | XXXX |  | 305030747 | Closed | 2026-01-07 07:19 | 2026-01-12 21:39 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and XXX and the Final Closing disclosure on page XXX, finding reflects escrows. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see pages XX and XX. The appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/XX: Please see the attached Appraisal Delivery // - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and XXX and the Final Closing disclosure on page XXX, finding reflects escrows. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see pages XX and XX. The appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender credit was decreased by $X.XX cents only on initial CD, COC not required within tolerance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and XXX and the Final Closing disclosure on page XXX, finding reflects escrows. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see pages XX and XX. The appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and XXX and the Final Closing disclosure on page XXX, finding reflects escrows. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see pages XX and XX. The appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender credit was decreased by $X.XX cents only on initial CD, COC not required within tolerance. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX<br>XXXXXXX_X.XXX |  |  | GA | Primary Residence | Purchase | NA | 6957454 | N/A | N/A |
| XXXX | XXXX |  | 305030747 | Closed | 2026-01-07 07:19 | 2026-01-12 21:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and XXX and the Final Closing disclosure on page XXX, finding reflects escrows. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see pages XX and XX. The appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/XX: Please see the attached Appraisal Delivery // - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and XXX and the Final Closing disclosure on page XXX, finding reflects escrows. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see pages XX and XX. The appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and XXX and the Final Closing disclosure on page XXX, finding reflects escrows. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see pages XX and XX. The appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and XXX and the Final Closing disclosure on page XXX, finding reflects escrows. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see pages XX and XX. The appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and XXX and the Final Closing disclosure on page XXX, finding reflects escrows. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see pages XX and XX. The appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and XXX and the Final Closing disclosure on page XXX, finding reflects escrows. Rate lock date was entered correctly – see page XXX and XXX. An interior and exterior appraisal was completed for this property – see pages XX and XX. The appraisal disclosure was provided to the borrower(s)- see page XXX, and confirmation the appraisal was delivered to the borrower – see page XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX<br>XXXXXXX_X.XXX |  |  | GA | Primary Residence | Purchase | NA | 6957455 | N/A | N/A |
| XXXX | XXXX |  | 305024449 | Closed | 2026-01-16 08:08 | 2026-01-20 11:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-CofC on XX/XX increased to lower the rate to X.XXX which caused there to be an increase in the pricing for the rate. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-LL X/XX There was a CofC on XX/XX increased to lower the rate to X.XXX which caused there to be an increase in the pricing for the rate. Please see the attached CofC, lock, and Redisclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-CofC on XX/XX increased to lower the rate to X.XXX which caused there to be an increase in the pricing for the rate. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX<br>XXXXXXX_X.XXX<br>XXXXXXX_X.XXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 7136921 | N/A | N/A |
| XXXX | XXXX |  | 305024449 | Closed | 2026-01-16 08:08 | 2026-01-20 11:55 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-CofC on XX/XX increased the loan amount to $XXX,XXX.XX which caused there to be an increase in the Compensation as the comp plan is a percentage of the loan amount. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-LL X/XX There was a CofC on XX/XX increased the loan amount to $XXX,XXX.XX which caused there to be an increase in the Compensation as the comp plan is a percentage of the loan amount. Please see the attached CofC and Redisclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-CofC on XX/XX increased the loan amount to $XXX,XXX.XX which caused there to be an increase in the Compensation as the comp plan is a percentage of the loan amount. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX<br>XXXXXXX_X.XXX<br>XXXXXXX_X.XXX<br>XXXXXXX_X.XXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 7136922 | N/A | N/A |
| XXXX | XXXX |  | 305024449 | Closed | 2026-01-07 11:25 | 2026-01-16 08:09 | Resolved | 1 - Information A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Document received. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Document received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-LI X/XX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX and consented to it on XX/XX. This meets the X business days before the closing date of XX/XX - Due Diligence Vendor-XX/XX/XXXX <br>Counter-The Initial CD provided shows the date of XX/XX/XX. Please provide the CD dated XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-LI X/XX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX and consented to it on XX/XX. This meets the X business days before the closing date of XX/XX - Due Diligence Vendor-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure The initial closing disclosure is missing. Please provide the initial CD. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Document received. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Document received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX<br>XXXXXXX_X.XXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 6965294 | N/A | N/A |
| XXXX | XXXX |  | 305024927 | Closed | 2026-01-13 07:48 | 2026-01-14 03:17 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Resolved, received final title policy. - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/XX RF please see attached please clear thank you - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $X is Less than Loan Amount Title commitment does not list insured amount. - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved, received final title policy. - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | CA | Primary Residence | Purchase | NA | 7060774 | N/A | N/A |
| XXXX | XXXX |  | 305027044 | Closed | 2026-01-12 14:46 | 2026-01-12 14:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Exception on #XXXX approved to allow for XXX on XXXX X-X Unit property. Borrower is officer/owner of the submitting brokerage. - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Exception on #XXXX approved to allow for XXX on XXXX X-X Unit property. Borrower is officer/owner of the submitting brokerage. - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | Reserves- XX.XX minimum per XXXXXXXXXX is X months exceeds XXXXXXXXXX by XX.XX months<br> XX.XX% XXX is below the maximum XX% XXX by XX.XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points | LA | Investment | Purchase | NA | 7050623 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304904564 | Closed | 2026-01-12 22:38 | 2026-01-19 23:42 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Title Policy - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount $XXX,XXX - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7054495 | N/A | N/A |
| XXXX | XXXX |  | 305031321 | Closed | 2026-01-16 22:26 | 2026-01-27 08:40 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Utilized the preliminary title commitment to prove the property is free and clear - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/XX XXX: Please note that the borrower's primary residence is the subject property. The XXXXXXXXXX do not require an XXX for free and clear primary residences, they only require documentation to be provided to confirm free & clear. For the subject transaction, the preliminary title commitment would be considered documentation to prove the property is free and clear, as there are no existing liens tied to the subject property per the preliminary title commitment. - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXXX Requirements The XXXX shows the primary residence as being owned free and clear; however, there is not letter of explanation in the documents. Please provide the letter of explanation to support this. - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Utilized the preliminary title commitment to prove the property is free and clear - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7152404 | N/A | N/A |
| XXXX | XXXX |  | 305027032 | Closed | 2026-01-19 05:18 | 2026-01-27 04:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard insurance doc provided. Resolved - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/XX XX: See attached insurance policy, XXXX.XX is the accurate amount - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided The Hazard Insurance policy provided does not reflect the annual premium of $X,XXX.XX. Please provide the hazard insurance policy with the annual amount. - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Hazard insurance doc provided. Resolved - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | NY | Primary Residence | Purchase | NA | 7161715 | N/A | N/A |
| XXXX | XXXX |  | 305028384 | Closed | 2026-01-20 04:13 | 2026-01-27 23:40 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/XX XX- see attached - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Coverage Amount of title is $XXX,XXX which is less than the loan amount of $XXX,XXX, provide updated title with coverage amount of $XXX,XXX. - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | MI | Primary Residence | Purchase | NA | 7174737 | N/A | N/A |
| XXXX | XXXX |  | 305028384 | Closed | 2026-01-20 05:24 | 2026-01-22 13:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX XXXXXXXXXX, resolved. - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, 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 Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX XXXXXXXXXX, resolved. - XXX XXXX XXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MI | Primary Residence | Purchase | NA | 7175505 | N/A | N/A |
| XXXX | XXXX |  | 305031651 | Closed | 2026-01-22 02:13 | 2026-01-24 18:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan passes XXXX guidelines and is a XXXX Compliant loan. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan passes XXXX guidelines and is a XXXX Compliant loan. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7236483 | N/A | N/A |
| XXXX | XXXX |  | 305030930 | Closed | 2026-01-22 10:48 | 2026-01-28 09:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-For inspection increase, the underwriter required an inspection due to the appraisal coming back subject to repairs in order to proceed with the transaction - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-XX X/XX: Please see the attached. For discount increase the initial LE cited was floating so the discount points permitted to change per XXXX XXXX.XX(e)(X)(iv)(D). For inspection increase, the underwriter required an inspection due to the appraisal coming back subject to repairs in order to proceed with the transaction // - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide COC for the increased fees of Loan Discount Fee, Inspection Fee. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-For inspection increase, the underwriter required an inspection due to the appraisal coming back subject to repairs in order to proceed with the transaction - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf<br>XXXXXXX_X.pdf |  |  | IL | Primary Residence | Purchase | NA | 7248311 | N/A | N/A |
| XXXX | XXXX |  | 305027333 | Closed | 2026-02-12 11:39 | 2026-03-05 11:39 | Acknowledged | 2 - Non-Material B | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Acknowledged-Per investor request acknowledging the condition and proceeding. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-Property potentially affected by XXXX Disaster ID XXXX. XXXXX XXXXX XXXXX, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: XXX and Individual Assistance: XX. Property inspection with exterior photos required.<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Acknowledged-Per investor request acknowledging the condition and proceeding. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>|  |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 7588600 | Investor Post-Close | No |
| XXXX | XXXX |  | 305027333 | Closed | 2026-02-11 04:38 | 2026-02-23 04:04 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-XXXX Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-X/XX XX- see attached - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount is $XXXXXX Which is less than loan amount $XXX,XXX - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-XXXX Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXXXXX_X.pdf |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 7554275 | N/A | N/A |
| XXXX | XXXX |  | 304757443 | Closed | 2025-08-05 01:38 | 2025-08-05 09:19 | Resolved | 1 - Information C A | Compliance | HigherRisk:APR | Connecticut - Nonprime Home Loan (First Lien) (8/15) | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX-XX. The loan meets XXXX guidelines, resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-This is a XXXXXXXXXXX Nonprime Home Loan. The loan's (X.XXX%) APR equals or exceeds the XXXXXXXXXXX Nonprime Home Loan threshold of (X.XX%). The difference is (X.XXX). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%). (XXXX. XXX. XXXX XX(a)(X)) - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX-XX. The loan meets XXXX guidelines, resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>|  |  |  | CT | Primary Residence | Purchase | NA | 5053611 | N/A | N/A |
| XXXX | XXXX |  | 304757443 | Closed | 2025-07-24 23:19 | 2025-08-05 01:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing disclosure document provided. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Closing disclosure missing in the file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Initial Closing disclosure document provided. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXXX XX.pdf<br>XXXXX XX.pdf |  |  | CT | Primary Residence | Purchase | NA | 4943097 | N/A | N/A |
| XXXX | XXXX |  | 304757443 | Closed | 2025-08-05 01:38 | 2025-08-05 01:42 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX-XX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX-XX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>|  |  |  | CT | Primary Residence | Purchase | NA | 5053610 | N/A | N/A |

---

## Exhibit 99.45

**Exhibit 99.45**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 304481909 | XXXX C D A B |
| XXXX |  | 304481974 | XXXX D A |
| XXXX |  | 304481801 | XXXX D A B |
| XXXX |  | 304481946 | XXXX A C B |
| XXXX |  | 304638137 | XXXX D A |
| XXXX |  | 304498025 | XXXX A |
| XXXX |  | 304643588 | XXXX A |
| XXXX |  | 304655192 | XXXX A |
| XXXX |  | 304511201 | XXXX C A |
| XXXX |  | 304692825 | XXXX D A B |
| XXXX |  | 304695038 | XXXX A |
| XXXX |  | 304701957 | XXXX A D B |
| XXXX |  | 304709153 | XXXX A |
| XXXX |  | 304701943 | XXXX D A |
| XXXX |  | 304695065 | XXXX C A |
| XXXX |  | 304717898 | XXXX C A |
| XXXX |  | 304719750 | XXXX D A B |
| XXXX |  | 304730965 | XXXX C D B A |
| XXXX |  | 304730969 | XXXX A |
| XXXX |  | 304734541 | XXXX D A |
| XXXX |  | 304730916 | XXXX D A |
| XXXX |  | 304734516 | XXXX C A |
| XXXX |  | 304731335 | XXXX A D B |
| XXXX |  | 304757430 | XXXX A D B |
| XXXX |  | 304757411 | XXXX D A |
| XXXX |  | 304902817 | XXXX D A |
| XXXX |  | 304844069 | XXXX B C A |
| XXXX |  | 304844198 | XXXX C D A |
| XXXX |  | 304859499 | XXXX D A |
| XXXX |  | 304823750 | XXXX C D A |
| XXXX |  | 304871907 | XXXX C A |
| XXXX |  | 304827035 | XXXX D C A B |
| XXXX |  | 304848642 | XXXX D A |
| XXXX |  | 304893250 | XXXX D A |
| XXXX |  | 304875234 | XXXX D A B |
| XXXX |  | 304852781 | XXXX A D |
| XXXX |  | 304893350 | XXXX C A |
| XXXX |  | 304893372 | XXXX A D |
| XXXX |  | 304893370 | XXXX C A |
| XXXX |  | 304893371 | XXXX C A |
| XXXX |  | 304893340 | XXXX D A |
| XXXX |  | 304874402 | XXXX A D |
| XXXX |  | 304898808 | XXXX A |
| XXXX |  | 304898724 | XXXX A |
| XXXX |  | 304898833 | XXXX A |
| XXXX |  | 304898708 | XXXX A |
| XXXX |  | 304898671 | XXXX C A |
| XXXX |  | 304898830 | XXXX D A |
| XXXX |  | 304902634 | XXXX A D |
| XXXX |  | 305040460 | XXXX D A B |
| XXXX |  | 304845639 | XXXX A |
| XXXX |  | 304845666 | XXXX A |
| XXXX |  | 304898738 | XXXX A |
| XXXX |  | 304898718 | XXXX A |
| XXXX |  | 304898687 | XXXX C A |
| XXXX |  | 304898680 | XXXX A |
| XXXX |  | 304898667 | XXXX A |
| XXXX |  | 304898644 | XXXX A |
| XXXX |  | 304875233 | XXXX D A B |
| XXXX |  | 304893341 | XXXX A C |
| XXXX |  | 304893316 | XXXX A |
| XXXX |  | 304893177 | XXXX D A |
| XXXX |  | 304779988 | XXXX C A B |
| XXXX |  | 304893096 | XXXX A |
| XXXX |  | 304893064 | XXXX A B |
| XXXX |  | 305040458 | XXXX D A |
| XXXX |  | 305011942 | XXXX D A |
| XXXX |  | 304875827 | XXXX D A |
| XXXX |  | 304875882 | XXXX C A |
| XXXX |  | 304893100 | XXXX A |
| XXXX |  | 304904539 | XXXX A C |
| XXXX |  | 304909424 | XXXX D A |
| XXXX |  | 304902326 | XXXX A C |
| XXXX |  | 304908699 | XXXX A |
| XXXX |  | 304993667 | XXXX D C A |
| XXXX |  | 304907146 | XXXX A C |
| XXXX |  | 304894306 | XXXX D A |
| XXXX |  | 304902320 | XXXX D C A |
| XXXX |  | 304871445 | XXXX A C |
| XXXX |  | 304911776 | XXXX A |
| XXXX |  | 304904383 | XXXX D C A |
| XXXX |  | 304896350 | XXXX D A |
| XXXX |  | 304897009 | XXXX C A |
| XXXX |  | 304911402 | XXXX A |
| XXXX |  | 304897428 | XXXX D A |
| XXXX |  | 305013355 | XXXX A |
| XXXX |  | 305024933 | XXXX A |
| XXXX |  | 305025052 | XXXX C D A B |
| XXXX |  | 305027042 | XXXX C A |
| XXXX |  | 305027340 | XXXX A D |
| XXXX |  | 304993661 | XXXX A D |
| XXXX |  | 305027039 | XXXX D A |
| XXXX |  | 305025062 | XXXX A |
| XXXX |  | 305024858 | XXXX D A |
| XXXX |  | 305026125 | XXXX A C |
| XXXX |  | 304907264 | XXXX A |
| XXXX |  | 305013577 | XXXX D A |
| XXXX |  | 305026209 | XXXX C A |
| XXXX |  | 305024782 | XXXX A |
| XXXX |  | 305026444 | XXXX C A |
| XXXX |  | 305024838 | XXXX A |
| XXXX |  | 305013676 | XXXX C D A |
| XXXX |  | 305033651 | XXXX A |
| XXXX |  | 304874821 | XXXX A C |
| XXXX |  | 305024004 | XXXX D A |
| XXXX |  | 305023786 | XXXX A D |
| XXXX |  | 305027479 | XXXX A |
| XXXX |  | 304903231 | XXXX A |
| XXXX |  | 305030514 | XXXX A |
| XXXX |  | 304822750 | XXXX D A |
| XXXX |  | 305028267 | XXXX A |
| XXXX |  | 305027842 | XXXX A |
| XXXX |  | 305024841 | XXXX D A |
| XXXX |  | 304911374 | XXXX A |
| XXXX |  | 305024937 | XXXX D A |
| XXXX |  | 304893723 | XXXX A C |
| XXXX |  | 305029649 | XXXX A |
| XXXX |  | 305029239 | XXXX A D |
| XXXX |  | 305026173 | XXXX A |
| XXXX |  | 304897420 | XXXX C A |
| XXXX |  | 305030747 | XXXX A |
| XXXX |  | 305013362 | XXXX A |
| XXXX |  | 305024449 | XXXX A C |
| XXXX |  | 304909425 | XXXX A |
| XXXX |  | 305026431 | XXXX A |
| XXXX |  | 305026127 | XXXX A |
| XXXX |  | 305013683 | XXXX A |
| XXXX |  | 305029235 | XXXX A |
| XXXX |  | 305024927 | XXXX C A |
| XXXX |  | 305029544 | XXXX A |
| XXXX |  | 305027044 | XXXX B A |
| XXXX |  | 304904564 | XXXX C A |
| XXXX |  | 305027142 | XXXX A |
| XXXX |  | 305027025 | XXXX A |
| XXXX |  | 305029684 | XXXX A |
| XXXX |  | 305013404 | XXXX A |
| XXXX |  | 305031321 | XXXX C A |
| XXXX |  | 305029858 | XXXX A |
| XXXX |  | 305029168 | XXXX A |
| XXXX |  | 305024450 | XXXX A |
| XXXX |  | 305027032 | XXXX D A |
| XXXX |  | 305025541 | XXXX A |
| XXXX |  | 305031566 | XXXX A |
| XXXX |  | 305031002 | XXXX A |
| XXXX |  | 305027384 | XXXX A |
| XXXX |  | 305031607 | XXXX A |
| XXXX |  | 305028384 | XXXX C A |
| XXXX |  | 305029870 | XXXX A |
| XXXX |  | 305031651 | XXXX A |
| XXXX |  | 305029552 | XXXX A |
| XXXX |  | 305028940 | XXXX A |
| XXXX |  | 305031609 | XXXX A |
| XXXX |  | 305030930 | XXXX A C |
| XXXX |  | 304993640 | XXXX A |
| XXXX |  | 305036566 | XXXX A |
| XXXX |  | 305031496 | XXXX A |
| XXXX |  | 305031286 | XXXX A |
| XXXX |  | 305027333 | XXXX C A B |
| XXXX |  | 305029864 | XXXX A |
| XXXX |  | 304757443 | XXXX A D |

---

## Exhibit 99.46

**Exhibit 99.46**

[j.p. morgan acceptance corporation ii abs-15g](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 304481909 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX | Eligible | 1.1 | XXXX |
| XXXX |  | 304481974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304481801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX | Eligible | 2 | XXXX |
| XXXX |  | 304481946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0422 | AVM |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX | -.0422 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304638137 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304498025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX | Not Eligible | 2.6 | XXXX |
| XXXX |  | 304643588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 2.4 | XXXX |
| XXXX |  | 304655192 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304511201 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304692825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2.5 | XXXX | Eligible | 1.5 | XXXX |
| XXXX |  | 304695038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304701957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304709153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 5 | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304701943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0388 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0388 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304695065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.84 | 32.84 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| XXXX |  | 304717898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| XXXX |  | 304719750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0491 | AVM |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX | -.0491 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304730965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304730969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304734541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0372 | AVM |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX | -.0372 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304730916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304734516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 72.26 | 72.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304731335 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0400 | Broker Price Opinion (BPO) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX | -.0400 | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304757430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.1998 | AVM |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX | -.1998 | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304757411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304902817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 4.2 | XXXX |
| XXXX |  | 304844069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.33 | 78.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304844198 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 84.99 | 84.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304859499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304823750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304871907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304827035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 68.68 | 68.68 | XXXX | XXXX | .0000 | Enhanced Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304848642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 60.18 | 60.18 | XXXX | XXXX | .0030 | Broker Price Opinion (BPO) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX | .0030 | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1.5 | XXXX | Eligible | 2.5 | XXXX |
| XXXX |  | 304875234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 69.98 | 69.98 | XXXX | XXXX | .0683 | Drive-By Form 704 |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304852781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 83.0 | 83.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| XXXX |  | 304893372 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893370 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893371 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.61 | 35.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304874402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304898808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304898724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304898833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 53.85 | 53.85 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304898708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.42 | 60.42 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304898671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| XXXX |  | 304898830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304902634 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305040460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304845639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.79 | 68.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304845666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX |  | 304898738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| XXXX |  | 304898718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304898687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304898680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304898667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304898644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.92 | 67.92 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304875233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 69.98 | 69.98 | XXXX | XXXX | .0683 | Other |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | XXXX | XXXX | .0683 | XXXX |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 83.0 | 83.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893316 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304893177 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 89.81 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304779988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 68.73 | 68.73 | XXXX | XXXX | -.0886 | Broker Price Opinion (BPO) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX | -.0886 | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304893064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305040458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305011942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 67.32 | 67.32 | XXXX | XXXX | -.0286 | Broker Price Opinion (BPO) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX | -.0286 | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304875827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304875882 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304904539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.63 | 62.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304909424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304902326 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304908699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304993667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304907146 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.03 | 77.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304894306 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.26 | 52.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304902320 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.67 | 41.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304871445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.04 | 68.04 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 3.6 | XXXX |
| XXXX |  | 304911776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0142 | Broker Price Opinion (BPO) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX | .0142 | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304904383 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304896350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2 | XXXX | Eligible | 1.2 | XXXX |
| XXXX |  | 304897009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304911402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304897428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.84 | 77.84 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0026 | XXXX | 1004 URAR | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305013355 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.99 | 84.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX |  | 305024933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.99 | 79.99 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| XXXX |  | 305025052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.11 | 61.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| XXXX |  | 305027042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305027340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2.5 | XXXX | Eligible | 1.3 | XXXX |
| XXXX |  | 304993661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305027039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 305025062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0220 | Broker Price Opinion (BPO) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX | .0220 | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305024858 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .1349 | Broker Price Opinion (BPO) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX | .1349 | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305026125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304907264 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| XXXX |  | 305013577 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.0 | 72.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305026209 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.15 | 52.15 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305024782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305026444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.64 | 79.64 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305024838 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0047 | AVM |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX | .0047 | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305013676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 54.95 | 54.95 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| XXXX |  | 305033651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.5 | 37.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 4.3 | XXXX |
| XXXX |  | 304874821 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 40.86 | 40.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| XXXX |  | 305024004 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0586 | AVM |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX | .0586 | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 3.9 | XXXX |
| XXXX |  | 305023786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305027479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| XXXX |  | 304903231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.52 | 65.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 2 | XXXX |
| XXXX |  | 305030514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304822750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.0 | 48.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 305028267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 45.48 | 45.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| XXXX |  | 305027842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0227 | Broker Price Opinion (BPO) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX | .0227 | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305024841 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.88 | 68.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304911374 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 64.86 | 64.86 | XXXX | XXXX | -.0714 | Broker Price Opinion (BPO) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX | -.0714 | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305024937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 77.14 | 77.14 | XXXX | XXXX | -.0131 | AVM |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX | -.0132 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304893723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0063 | Other |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | XXXX | XXXX | .0063 | XXXX |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305029649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.8 | XXXX |
| XXXX |  | 305029239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 68.35 | 68.35 | XXXX | XXXX | .0405 | AVM |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX | .0405 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305026173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304897420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 56.57 | 56.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| XXXX |  | 305030747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305013362 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305024449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 54.5 | 54.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| XXXX |  | 304909425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305026431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.68 | 73.68 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| XXXX |  | 305026127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.71 | 72.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305013683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.43 | 56.43 | XXXX | XXXX | -.0996 | AVM |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX | -.0996 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305029235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 305024927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 305029544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 25.13 | 25.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 305027044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 48.02 | 48.02 | XXXX | XXXX | .0486 | Broker Price Opinion (BPO) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX | .0486 | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304904564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.63 | 59.63 | XXXX | XXXX | .0556 | AVM |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX | .0556 | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305027142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2 | XXXX | Eligible | 1.5 | XXXX |
| XXXX |  | 305027025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| XXXX |  | 305029684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 74.19 | 74.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1.5 | XXXX | Eligible | 1.9 | XXXX |
| XXXX |  | 305013404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| XXXX |  | 305031321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.32 | 37.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 305029858 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305029168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 305024450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 54.71 | 54.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2.5 | XXXX | Eligible | 2.5 | XXXX |
| XXXX |  | 305027032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 47.24 | 47.24 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305025541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 305031566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.22 | 51.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305031002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.1 | 55.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| XXXX |  | 305027384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.84 | 66.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305031607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.38 | 65.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| XXXX |  | 305028384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| XXXX |  | 305029870 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 40.0 | 40.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 305031651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.63 | 68.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX |  | 305029552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.97 | 72.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2.5 | XXXX | Eligible | 1.3 | XXXX |
| XXXX |  | 305028940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0315 | AVM |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX | .0315 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305031609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.57 | 48.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 305030930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.99 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304993640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.67 | 66.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305036566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 305031496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 305031286 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  | 2 | XXXX | Eligible | 1.4 | XXXX |
| XXXX |  | 305027333 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 43.91 | 43.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| XXXX |  | 305029864 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  | 0 |  |  |  |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX | 0 | 0 |  |  |  | XXXX | XXXX |  | XXXX | XXXX | 0 | 0 |  |  |  | 0 | 0 |  |  |  | 0 | 0 |  |  |  | XXXX | 0 | 0 |  |  |  | 0 |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304757443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |

---